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( GarySDClinics )

Comments made by GarySDClinics

What San Diegans Need To Know About California's Health Care Exchange

There were a few points that I made which may need clarification:
1. We believe that there are 190,000 to 220,000 resident of San Diego County who would be eligible to buy insurance through Covered California and receive a subsidy (tax credit or premium reduction).
2. Anyone who does not have insurance (or the cost of insurance provided by their employer exceeds 9.5% of their gross income) may apply to purchase coverage through Covered California.
3. The figure of 30,000-60,000 people is an estimate of the number of San Diegans who will purchase insurance through Covered California in the first year. This number will go up during the 2nd Open Enrollment period (late 2014) as more people learn about the Health Insurance Exchange (Covered California)
4. Currently, some insurance companies have up to five age categories. Covered California will reduce these “age bands” to three. And the cost of coverage for folks in the older age band cannot be more than 3 times that of the youngest age band. Currently, there are seven age bands.
5. The Individual mandate is still in effect. There are limited exemptions from the mandate to have and keep health insurance coverage
a. If available cost of coverage 8% of household income
b. If household income is below tax filing threshold ($10,000 for an individual/$20,000 family)
c. Some very limited religious objection
d. Undocumented immigrants (Also, they are prohibited from buying into Covered California or any state exchange even paying full price)
e. Incarcerated persons
6. The penalty for not having health insurance is
a. $95 or 1% of income (whichever is more) in 2014
b. $325 or 2% of income in 2015
c. $695 or 2.5% of income in 2016 (and subsequent years)

July 19, 2013 at 3:30 p.m. ( | suggest removal )

How Will House Health Care Bill Affect San Diego?

I do not know enough about your business relationship with the organization to say for sure how the group insurance plan will be affected. I can only speak whether one is an employee. As far as the requirement, the House bill does assess a penalty for not carrying coverage. For the most part, the penalty would be assessed at the time one files their tax return.

November 13, 2009 at 5:05 p.m. ( | suggest removal )

How Will House Health Care Bill Affect San Diego?

Regarding Aron's question, you do not have to purchase insurance through your employer. There will be the option to purchase insurance through the exchange. But you would have to pay the full cost. You would not be eligible for the subsidy that is proposed for those who do not have employer sponsored health care coverage.

November 13, 2009 at 10:32 a.m. ( | suggest removal )