Having health insurance protection is important for everyone. As an agent with BHI, I offer residents of Oakland, and the surrounding communities, a choice when it comes to their healthcare options.
Health Insurance in Oakland
Oakland residents have some excellent options when it comes to health insurance plans. Many of the top-rated health insurance carriers offer coverage to Oakland residents. Also, there are affordable alternative health insurance plans for individuals and families with unique needs and situations.
There are so many plans available that it can be difficult to know which health insurance plan is the right one for your family. BuyHealthInsurance.com has the expertise to help you wade through the health insurance options and find the right plan for you.
Oakland is the third largest city in California. Of the 425,195 Oakland residents, 13.8 percent under the age of 65 don’t have health insurance. If you are uninsured, let us help you find a plan today.
Covered California Renewals Start in October
California was the first state to create its own statewide health insurance marketplace in response to the Affordable Care Act. The state offers health insurance for individuals and families from 11 health insurance carriers.
If you are currently insured, it’s time to review your current plan. The renewal period for Oakland residents starts in October. During the renewal time, health insurance consumers have the chance to make changes to their coverage or to select a new coverage plan.
Covered California renewals could see an increase of 8.3 percent. However, the is below the state average of 8.7 percent. With this increase you may be eligible for a subsidy should your income fall within certain levels. 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.
Take a moment to gather the necessary personal information for your family. This includes birthdays, social security numbers, and primary physician information. Fresno residents are six years younger than the average Californian, meaning your needs will likely be different from families in other parts of the state. Finally, review eligibility requirements and complete applications before any enrollment period begins.
Maybe you are happy with your current insurance carrier but are seeking a new plan that will offer you a Health Savings Account. Perhaps you have been covered through your employer, but are looking at options to purchase an individual policy. The upcoming October renewal period is the time to think about the changes you want to make to your health insurance.
If you would like to purchase a policy from Covered California, enrolment begins on October 15. Oakland residents can select coverage from two companies:
- Kaiser Permanente
- Blue Cross
Health Insurance for Oakland Business Owners
Oakland business owners have the option of purchasing a small group health insurance plan for themselves and their employees. Small group plans are affordable and can provide health benefits to both you and your employees.
Oakland business owners may be eligible for small group insurance through Covered California if:
- You have at least one W-2 employee
- A large percentage of your employees live in California
- You have at least one but not more than 100 employees who meet certain requirements
Non-Marketplace Health Plans for Oakland Residents
If the Marketplace health insurance plans – also known as Obamacare – doesn’t fit your needs or budget, there are excellent alternatives available.
BuyHealthInsurance.com can help you secure health insurance coverage through a non-marketplace policy.
These health insurance plans come with a variety of benefits, including:
- An on-going open enrollment period: There is no special enrollment for non-marketplace plans. You can enroll in one of these health insurance plans at any time.
- First-class health insurance coverage: Policies include coverage for vaccines, preventative care, and annual physical examinations.
Alternative Health Coverage
BuyHealthInsurance.com can find the right type of health insurance plan for you. We offer traditional health insurance plans from major carriers, including marketplace and non-marketplace plans, as well as these alternatives to health insurance:
Health Sharing Plans: HealthSharing Plans are also an excellent alternative to marketplace plans. These plans offer maximum flexibility and share medical costs amongst all the members. We can help you find coverage through a top HealthSharing plan provider such as Aliera.