{"id":158,"date":"2022-10-18T22:51:34","date_gmt":"2022-10-18T22:51:34","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?page_id=158"},"modified":"2023-06-15T19:31:59","modified_gmt":"2023-06-15T19:31:59","slug":"health-insurance","status":"publish","type":"page","link":"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/health-insurance\/","title":{"rendered":"Health Insurance California"},"content":{"rendered":"<div class=\"c-section  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Affordable California Health Insurance Quotes Are Available<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>With the advent of the Affordable Care Act (ACA) in 2010, health insurance become more obtainable for many Californians. Now, residents can access low-cost or free health coverage through the state\u2019s own ACA marketplace, Covered California, as well as Medi-Cal, which is California\u2019s version of Medicaid.<\/p>\n<p>Finding health coverage for yourself and your family can be a confusing and stressful process. In California, if you do not have the required health insurance, you will face a tax penalty.<\/p>\n<p>Cost-U-Less can guide you through the process of selecting, applying for, and obtaining the coverage plan that best adapts to the needs of you and your family. Let us help you customize the right type of health coverage so that you can make the best out of your health insurance policy.<\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/ima-a-.jpg 1x, https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/ima-a-@2x.jpg 2x\">\n            <img class=\"sp-no-webp\"  decoding=\"async\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/ima-a-.jpg\" alt=\"A mom and daughter talking with a doctor\" srcset=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/ima-a-@2x.jpg 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Why Health Coverage is Important for Californians<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>Not only is health insurance required in California, there are many important reasons why you should sign up for yourself and your family.<\/p>\n<ul>\n<li><strong>Continuity of care:<\/strong> You\u2019ll have the same doctors and medical professionals who will know your background and understand your challenges when you need care. You won\u2019t have to deal with a rotating staff of people who need to hear your health background every time.<\/li>\n<li><strong>Proactive care: <\/strong>When you receive regular healthcare, you can prevent lifestyle diseases or have early detection on serious diseases. Your outcomes will benefit from having regular checkups.<\/li>\n<li><strong>Protect your savings<\/strong>: Health insurance can help you pay for expensive procedures and treatment, so you don\u2019t have to rely on your savings or retirement account.<\/li>\n<\/ul>\n<p>Even if premiums can seem expensive, these sums don\u2019t compare to the thousands of dollars that an ambulance ride or a hospital stay can set you back. Health insurance premiums are a competitive way to make the costs of becoming sick more affordable for everyone. <span>Cost-U-Less<\/span> Can help you get covered today.<\/p>\n    <\/div>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">What is Covered California?<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>It\u2019s healthcare for California residents. Similar to other states, Covered California offers a large variety of healthcare plans at different tiers. Your income level determines how much you will pay for your health insurance. You can apply to the marketplace during Open Enrollment, Special Enrollment or any time during the year for <a href=\"https:\/\/www.costulessdirect.com\/blog\/how-to-get-low-cost-or-free-health-insurance-in-california\/\"><span>Medi-Cal<\/span><\/a>.<\/p>\n    <\/div>\n    \n\n    \n            <a href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/health-insurance\/health-insurance-faq\/\" class=\"o-component c-icon-callout c-icon-callout--orange\" id=\"product-callout-block_806102936932766ab61bdb1bc320cee8\">\n                                <img decoding=\"async\" class=\"c-icon-callout__img\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/icon-faqs.svg\" alt=\"Telephone with multiple conversations\" width=\"48\" height=\"48\" aria-hidden=\"true\">\n                        <div class=\"c-icon-callout__content\">\n                <h2 class=\"c-section__title c-section__title--left c-icon-callout__title\">Health Insurance FAQ<\/h2>\n                <div class=\"s-cms-content s-cms-content--big\">\n                    <div class=\"c-icon-callout__content\">\n<div class=\"s-cms-content s-cms-content--big\">\n<div class=\"c-icon-callout__content\">\n<div class=\"s-cms-content s-cms-content--big\">\n<div class=\"c-icon-callout__content\">\n<div class=\"s-cms-content s-cms-content--big\">\n<div class=\"c-icon-callout__content\">\n<div class=\"s-cms-content s-cms-content--big\">\n<p>Get answers to common health insurance questions.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n                <\/div>\n            <\/div>\n            <\/a>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">What are the Different Health Plan Tiers?<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>Plans are available at the platinum, gold, silver and bronze levels. Each tier has a wide selection of coverages available through common insurers, such as Anthem Blue Cross, Kaiser Permanente, Sharp, Oscar and more.<\/p>\n    <\/div>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">What are the Enrollment Periods for Medical Insurance?<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>There are two enrollment periods when people can sign up for healthcare in California.<\/p>\n<ul>\n<li><strong>Open Enrollment<\/strong> is when anyone who needs health insurance can apply for coverage. It typically lasts from late fall to early spring.<\/li>\n<li><strong>Special Enrollment<\/strong> is the rest of the year and is open to those who meet certain criteria.<\/li>\n<\/ul>\n<p>Medi-Cal is open all year and your application is automatically checked for eligibility.<\/p>\n    <\/div>\n    \n\n    \n            <a href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/terms-definition\/\" class=\"o-component c-icon-callout c-icon-callout--blue\" id=\"product-callout-block_7459392aecdb14e50280a713cb09dbf3\">\n                                <img decoding=\"async\" class=\"c-icon-callout__img\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/icon-glossary.svg\" alt=\"Dictionaries on a shelf\" width=\"48\" height=\"48\" aria-hidden=\"true\">\n                        <div class=\"c-icon-callout__content\">\n                <h2 class=\"c-section__title c-section__title--left c-icon-callout__title\">Glossary of Insurance Definitions<\/h2>\n                <div class=\"s-cms-content s-cms-content--big\">\n                    <div class=\"c-icon-callout__content\">\n<div class=\"s-cms-content s-cms-content--big\">\n<p>Get explanations for terms relating to insurance<\/p>\n<\/div>\n<\/div>\n                <\/div>\n            <\/div>\n            <\/a>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">What is the Penalty for Not Having Health Insurance in California?<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>Residents must have a qualifying health plan or risk being assessed a tax penalty. That penalty is $850 per adult and $425 per dependent children. The penalty will be charged when you fill out and file your 2022 taxes.<\/p>\n<p>There are some exemptions to the law, including a general hardship, an affordability hardship and a religious conscience exemption. We can help you sift through those and apply if necessary.<\/p>\n    <\/div>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Low-Cost Plans for Accidents, Critical Illness and Cancer <\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p><span data-contrast=\"auto\">Cost-U-Less Insurance partners with Aflac to <\/span><span data-contrast=\"auto\">offer affordable plans for <\/span><span data-contrast=\"auto\">accidents<\/span><span data-contrast=\"auto\">, critical <\/span><span data-contrast=\"auto\">illness<\/span><span data-contrast=\"auto\"> and cancer care<\/span><span data-contrast=\"auto\">. With these plans, you will receive cash to help pa<\/span><span data-contrast=\"auto\">y for costs associated with a serious accident, a cancer <\/span><span data-contrast=\"auto\">diagnosis<\/span><span data-contrast=\"auto\"> or an unexpected serious illness, such as a heart attack or stroke.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">When life throws you a curveball, you need to be able to focus on your health \u2013 not your bank account. With these plans, you can receive cash to help pay for your health insurance deductibles, travel and lodging for specialty care, lost wages from missed work and anything else you decide.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Give us a call at <\/span><a href=\"tel:(800) 390-4071\"><span data-contrast=\"auto\">(800) 390-4071<\/span><\/a><span data-contrast=\"auto\"> to find out more from our experienced, bilingual agents about preparing for the future.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/img-intern-Health-Insurance.jpg 1x, https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/05\/img-intern-Health-Insurance@2x.jpg 2x\">\n            <img class=\"sp-no-webp\"  decoding=\"async\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/img-intern-Health-Insurance.jpg\" alt=\"Family meets with pediatrician.\" srcset=\" 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Affordable Healthcare in CA is Available<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>At Cost-U-Less, we can help you find medical or dental coverage so you benefit from being covered plus avoid a tax penalty. We know that trying to purchase a plan on your own can be frustrating and time-consuming. That\u2019s why we are here to help you figure it out. At Cost-U-Less we can:<\/p>\n<ul>\n<li>Help you apply through Open Enrollment or Special Enrollment.<\/li>\n<li>Help you understand what the different tiers mean and how to best apply that to your situation.<\/li>\n<li>Help you avoid tax penalties.<\/li>\n<li>Help you compare plans so you can save money and avoid the hassle of comparing dozens of policies that may not be the right fit.<\/li>\n<li>Help you explore if you are eligible for low-cost and free options.<\/li>\n<li>Help you by answering your questions all year round.<\/li>\n<\/ul>\n    <\/div>\n    \n\n\n<div class=\"c-section\" id=\"get-callout-block_316ae60f65f02884e2d9147de9067bdd\">\n        <div class=\"c-get-callout\">\n                            <h2 class=\"c-section__title c-section__title--blue\">Find Cheap Health Insurance Online in California Today<\/h2>\n                                        <div class=\"o-component s-cms-content s-cms-content--center\">\n                    <p>Cost-U-Less can help you find a low-cost health care plan that fits your needs and budget. Get a free California <button class=\"js-quote-modal-button\">health insurance quote online<\/button>, give us a call at <a href=\"tel:800-390-4071\">800-390-4071<\/a> or stop by one of our <a href=\"https:\/\/locations.costulessdirect.com\/\">locations<\/a> to get started.<\/p>\n                    \n                <\/div>\n                                                            <ul class=\"o-component o-list-bare c-get-callout__list\">\n                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\n                                <button class=\"c-get-callout__link js-quote-modal-button\" aria-expanded=\"false\" aria-controls=\"modalQuote\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/10\/quote.svg\" alt=\"Computer icon with quote box\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                        <span class=\"c-get-callout__text\">Quote online<\/span>\n                                    <\/button>\n                            <\/li>\n                                                                                                                                                        <li class=\"o-list-bare__item c-get-callout__item\">\n                                <a class=\"c-get-callout__link\" href=\"tel:800-390-4071\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/10\/phone.svg\" alt=\"Hand holding a phone\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Over the phone<\/div>\n                                <\/a>\n                            <\/li>\n                                                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\n                                <a class=\"c-get-callout__link\" href=\"https:\/\/locations.costulessdirect.com\/\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/10\/visit.svg\" alt=\"Two hands shaking\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Visit us<\/div>\n                                <\/a>\n                            <\/li>\n                                                                                                    <\/ul>\n                                    <\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":177,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/158"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/comments?post=158"}],"version-history":[{"count":73,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/158\/revisions"}],"predecessor-version":[{"id":5349,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/158\/revisions\/5349"}],"up":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/177"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/media?parent=158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}