Low Income Health Insurance for individual in California

There are a large number of health insurance carriers in the California state offering low income health insurance benefitting the residents who cannot afford to buy independent expensive health insurance plans. The Affordability Act has revolutionized the concept of health insurance in the state and consequently, the low income groups of California can get the following advantages in the health insurance arena.

The California state will give federal tax subsidies to over 503,000 small businesses in the state if they extend health insurance coverage to their employees. Earlier, a few firms were only offering health insurance to their employees since they had to bear 18% more expenses than the other bigger firms. This is a major advance in the low income health insurance California arena since a large number of citizens in the state can now be guaranteed of group health insurance coverage.

Group health insurance coverage is a significantly economical option as against independently purchased health insurance plans since the rates of premiums are subsidized in addition to the company bearing a sizeable amount of the premiums.
Those Medicare beneficiaries in the California state who have exhausted their health insurance coverage will have to shoulder the full costs of health insurance. However, the Affordability Act has made a provision for a one-time discount of $250 over the cost of their prescription drugs. This has come as a significant help to low income health insurance California.

The act has also enabled 430,000 early retirees in the California State to avail of a federal fund of $5 billion to gain access to affordable health insurance plans from their prospective employers. Low income groups can thus leave their worries of continuing within the health insurance coverage after leaving their jobs.

Low income health insurance California has become cheaper than ever with the act removing life-time limits and annual limits over the insurance coverage thereby benefiting more than 19 million residents of the state. Dishonest health insurance practices cannot drop low income health insurance in the California State to more than 2.7 million citizens of the state if they happen to fall sick.

Children in the low income families of California can now enjoy health insurance coverage even if they are reported with pre-existing health conditions. This is enabled by a high risk pool program instituted by the state worth $761 million federal dollars. The Affordability Act has also made it possible for more than 1, 96,000 adults in California State to stay within the low income health insurance coverage purchased by their parents till the age of 26. This has guaranteed health insurance coverage to these groups till they complete their studies and take employment. Low income health insurance California has also been realized to a great extent in the state with the act making it possible for the patients to choose doctors as per their healthcare needs. In addition they are now free to go to any participating primary care provider.

 
Low income health insurance California has benefited women in the state in the following way. With the revisions made in the health care laws, women in the California State will not need prior authorization to consult an ob-gyn. They have been relieved of gender discrimination while purchasing independent low income health insurance plans besides getting the guarantee of the same type of health insurance coverage like males of the same age and health status.

With the Affordable Act, the California State has significantly raised the federal funding for the following categories of low income health insurance California. More health centers are being built in the state to nearly double the number of patients’ intake in the Community Health Centers. $1.5 billion dollars funding has been sanctioned to benefit the National Health Service Corps for a five years’ period to meet out the needs of about 9% of the Californian population residing in the underserved areas of the State. In addition, Medicaid health plans have been made more flexible than ever to take-in more citizens with low income irrespective of their age, health condition and the ability of their families to purchase health insurance plans.