Having health insurance protection is important for everyone. As an agent with BHI, I offer residents of Long Beach, and the surrounding communities, a choice when it comes to their healthcare options.
Health Insurance in Long Beach
Residents of Long Beach have many options for health insurance coverage. With so many plans available it can be confusing to know which program is right for you and your family.
BuyHealthInsurance.com specializes in helping Long Beach residents get the best health insurance plan for their needs and budget.
If you are among the 15.9 percent of Long Beach residents without health insurance, let us help you select a plan today.
Individual Health Insurance Coverage for Long Beach
Open enrollment begins October 15th. This is an excellent time to start thinking about your health insurance coverage. Choose a health insurance plan through BuyHealthInsurance.com; you receive the benefit of having options:
Here are a few of the benefits BuyHealthInsurance.com gives you:
- Choose a plan that works best for you. With access to many individual health insurance options, you can find the right policy best fits your current situation.
- No fees or copays for preventative health care services, necessary appointments, and exams such as mammograms and immunizations.
- You will save an average of $500 or more based on what you are currently paying for health insurance, guaranteed.
There are many low-cost, high-quality health insurance alternatives to Obamacare. Consider looking into private or direct health insurance plans available to Long Beach residents.
Covered California Renewal Period
As the renewal date nears, this also opens the door for Covered California participants to enroll or make changes.
Covered California is the state-run health insurance marketplace. It was created in response to the passage of the Affordable Care Act to provide affordable health insurance options for California residents.
California’s uninsured rate has dropped to 10 percent since the creation of Covered California.
Covered California’s enrollment period is open now until January 15, 2019. However, if you have had a qualifying life event, you may enroll for health insurance through Covered California at any time.
It is during this enrollment time that you can change plans or makes changes to your existing plan. For example, you may wish to stay with the same carrier but select a different plan or enroll in a Health Savings Account.
The good news is Long Beach residents have some choices about their health insurance plans; the not so good news is many Long Beach Covered California policyholders will see premium increases of more than 8 percent.
Still, policyholders can shop around and select a lower tier of coverage to keep premiums about the same. You may also qualify for subsidies based on your income. For instance, if your income is below 400% FPL, which is approximately $47,000 for one person or $98,000 for a family of four, this could qualify you for premium assistance.
Many plans and coverages are available from up to six insurance carriers:
- Blue Shield
- Health Net
- Kaiser Permanente
- LA Care
With so many choices you may wish to seek professional advice. We can answer your questions about your health care options and help you select the best plan for you, your family, or your business.
Plans Available Outside the Marketplace
The health insurance marketplace plans – also known as Obamacare – are not the only options available. If you can’t find a marketplace plan to fit your needs or budget, BuyHealthInsurance.com can help. A few of the benefits of a non-marketplace plan include:
- A flexible enrollment period – If you missed the enrollment period for the marketplace insurance, you could enroll in a com alternative plan anytime.
- All the benefits of good health care coverage, including vaccines, preventative care, and physicals at an affordable price for your family.
Coverage Alternatives for Long Beach Residents
BuyHealthInsurance.com can find the right type of health insurance plan for you. We offer traditional health insurance plans from major carriers, marketplace, and non-marketplace plans, including these alternatives to health insurance:
HealthSharing Plans: HealthSharing plans are known for affordability and flexibility. This type of coverage has participants contributing to the medical needs of a group as opposed to the insurance company itself. HealthSharing Plans such as those by Aliera include nationwide coverage, free telemedicine, and low-cost premiums.