iNDIVIDUAL AND FAMILY PLANS
Individual and Family Plans
Individual Plans are offered both in and out of the California Exchange (known as Covered California). As Independent Brokers, we can assist you in shopping for ALL plans. We are contracted with all of the major carriers. Contact Linda@LindaKarp.com for a quote.
Guarantee Issue
Beginning January 1, 2014, there will no longer be medical underwriting for Individual plans. This means that you cannot be declined or charged a higher rate based on your health.
Open Enrollment
Once a year, there is an Open Enrollment Period for all Individual plans; this typically runs from October 1st to January 15th in California. You can only enroll onto a new plan, or make changes to your current plan, during this time. The exception to this rule is if you have a “Qualifying Event”, such as marriage, divorce, adoption or birth of a child, moving to a new area, loss of a group health plan, etc. This applies to policies both in and out of the Exchange. Accidents and illness, or loss of an Individual plan, are not qualifying events.
Subsidies, Tax Credits and MediCal Assistance
You may qualify for a subsidy (advanced tax credit) or MediCal, based on your income, family size, zip code, etc. Contact us and we’ll check to see which program you qualify for.
Grandfathered vs. Non-Grandfathered
Not all ACA rules apply to everyone. If you have a grandfathered plan, then some of the new ACA benefits and rules may not apply to you.
Using Linda Karp Insurance Services as your Independent Broker
As Independent Brokers, we can assist you in shopping for ALL plans. Your premium is the same whether you use a broker or go directly to the carrier or CoveredCA. Therefore, our services are free to you. We are here to help you navigate the new plans and laws, and as always, we have YOUR best interest at heart.
Individual Plans are offered both in and out of the California Exchange (known as Covered California). As Independent Brokers, we can assist you in shopping for ALL plans. We are contracted with all of the major carriers. Contact Linda@LindaKarp.com for a quote.
Guarantee Issue
Beginning January 1, 2014, there will no longer be medical underwriting for Individual plans. This means that you cannot be declined or charged a higher rate based on your health.
Open Enrollment
Once a year, there is an Open Enrollment Period for all Individual plans; this typically runs from October 1st to January 15th in California. You can only enroll onto a new plan, or make changes to your current plan, during this time. The exception to this rule is if you have a “Qualifying Event”, such as marriage, divorce, adoption or birth of a child, moving to a new area, loss of a group health plan, etc. This applies to policies both in and out of the Exchange. Accidents and illness, or loss of an Individual plan, are not qualifying events.
Subsidies, Tax Credits and MediCal Assistance
You may qualify for a subsidy (advanced tax credit) or MediCal, based on your income, family size, zip code, etc. Contact us and we’ll check to see which program you qualify for.
Grandfathered vs. Non-Grandfathered
Not all ACA rules apply to everyone. If you have a grandfathered plan, then some of the new ACA benefits and rules may not apply to you.
Using Linda Karp Insurance Services as your Independent Broker
As Independent Brokers, we can assist you in shopping for ALL plans. Your premium is the same whether you use a broker or go directly to the carrier or CoveredCA. Therefore, our services are free to you. We are here to help you navigate the new plans and laws, and as always, we have YOUR best interest at heart.