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California health insurance

Eleven insurers are offering health plans through Covered California. Open enrollment continues through January 15, 2019.

Health insurance in California

California’s health marketplace

California’s state-run exchange, Covered California, is widely regarded as one of the most successful established under the Affordable Care Act. During the 2017 open enrollment period, 1.56 million people enrolled in private plans through Covered California, including 412,000 enrollees who were new to the exchange.

For 2018 coverage, 1.52 million people had enrolled in coverage during the open enrollment period, which was slightly lower than the previous year’s enrollment. (This was probably because California encouraged unsubsidized Silver-plan enrollees to shop off-exchange for 2018 coverage, in order to avoid having to pay the extra premiums that were added to on-exchange Silver plans to cover the cost of CSR.)

For 2019 coverage and beyond, California enacted legislation that sets open enrollment dates that will differ from the rest of the country. California will continue to have a three-month open enrollment period, running from October 15 to January 15.

So open enrollment for 2019 coverage began on October 15 and will continue until January 15, 2019. People who enroll between October 15 and December 15 will have coverage effective January 1, while those who enroll between December 16 and January 15 will have coverage effective February 1. The same schedule will be used off-exchange as well.

All 11 insurers that offered individual health plans through Covered California for 2018 will continue to offer plans for 2019. They are:

  • Anthem Blue Cross of California
  • Blue Shield of California
  • Chinese Community Health Plan (only San Francisco county and San Mateo county)
  • Health Net
  • Kaiser Permanente
  • A. Care Health Plan
  • Molina Healthcare
  • Oscar Health Plan of California
  • Sharp Health Plan (only San Diego county)
  • Valley Health Plan (only Santa Clara County)
  • Western Health Advantage (only North Bay area and Greater Sacramento)

The average rate changes for 2019 vary by region in California, but the overall weighted average increase for individual plans will be 8.7 percent.

Californians’ enrollment in qualified health plans

Covered California reported that 1,414,668 individuals signed up for qualified health plans (QHPs) during the 2014 open enrollment period. Of that 1.4 million, about 1.1 million individuals paid their premiums and had their coverage take effect.

During the 2016 open enrollment period, there were 439,000 new private plan enrollees through Covered California. As of March 31, effectuated enrollment stood at 1,415,428. Of these enrollees, 87.6 percent were receiving premium subsidies that averaged $309 per month.

During the 2017 open enrollment period, 1.56 million people enrolled in QHPs through Covered California, including 412,000 new enrollees.

During the open enrollment period for 2018 coverage, Covered California signed up nearly 424,000 new private plan enrollees – about 3 percent more than the number of new enrollees who bought coverage the year before. Total enrollment, including renewals, was slightly lower than it had been in 2017, with about 1.52 million people enrolled for 2018 – roughly 35,000 fewer than the year before.

California Medicaid/CHIP

California embraced the ACA’s Medicaid expansion in 2013, as Gov. Jerry Brown signed legislation that was expected to expand Medi-Cal coverage to over a million Californians.

Between fall 2013 and July 2018, California’s Medicaid enrollment increased from about 7.75 million to about 11.96 million – a 54 percent increase. California’s Medicaid program was the largest in the nation as of late 2017. (About 16 percent of the nation’s Medicaid enrollees were in California).

To learn more about California’s Medicaid program visit the California Department of Health Care Services. Note: California’s Children’s Health Insurance Program (CHIP) was previously known as Healthy Families. In 2013, California transitioned Healthy Families enrollees to Medi-Cal.

Read more about California’s Medicaid expansion.

Short-term health insurance in California

California’s lawmakers passed a bill in 2018 that prohibits the sale or renewal of short-term plans in California as of January 1, 2019. (The sale of other non-ACA-compliant plans, such as fixed indemnity products and critical illness plans, will continue to be allowed.)

Read more about short-term health insurance in California.

How has Obamacare helped California?

California embraced healthcare reform, creating a state-based exchange and expanding Medicaid. And, following the 2014 ACA open enrollment period, the state saw its uninsured rate significantly decline. According to U.S. Census data, the uninsured rate in California dropped from 17.2 percent in 2013, to just 7.3 percent in 2016.

Covered California has also helped Californians lower their prescription medication costs. In 2016, the state exchange rolled out a cap on prescription costs. Available to consumers purchasing off-exchange plans as well, the cap is linked to the metal level of the plan purchased and is $250 per specialty medication per month for the majority of consumers.

California health ratings

America’s Health Rankings, compiled by the United Health Foundation, ranked California 16th overall in 2016, the same spot the state held in 2015. In the 2017 edition of the rankings, California fell one place, to 17th. Air pollution, pertussis, and disparity in health status by education level are the state’s biggest public health challenges. But the state has a low incidence of tobacco use, preventable hospitalizations, and infant mortality.

By comparison, the Commonwealth Fund’s Scorecard on State Health System Performance 2015 placed California 26th, but the state jumped 12 spots, to 14th place, in the 2017 Scorecard. While the majority of the state’s health indicators had relatively middle-of-the-road placement, the state fared very well in terms of tobacco use and percentage of the population that suffered from tooth loss (2nd place in both cases). But California ranked 50th in terms of the percentage of children with a medical home.

See California’s Scorecard for additional scoring and details.

The 2016 edition of Trust for America’s Health also evaluates a variety of public health indicators. Visit the site for Key Health Data About California.

Given California’s size and diversity, a statewide view might not provide the level of information you want. Get county-by-county health rankings for California, which were developed by the Robert Wood Johnson Foundation and the Population Health Institute at the University of Wisconsin.

Does California have a high-risk pool?

Prior to the ACA’s reforms in the individual health insurance market, medical history was a factor in eligibility for private plans in nearly every state, including California. Applicants with pre-existing conditions were often unable to buy individual plans in the private market, or if coverage was available it came with a higher premium or with exclusions on pre-existing conditions.

The California Major Risk Medical Insurance Board (MRMIB) was created in 1991 to provide a coverage option for people who were ineligible for coverage under a private plan because of medical history.

Under the ACA, all new health insurance policies became guaranteed issue starting on January 1, 2014. This change largely eliminated the need for high-risk pools, since pre-existing conditions are no longer a barrier to obtaining coverage.

The California Budget Act of 2014 included a provision for MRMIB to cease operations as of July 1, 2014. Most of the MRMIB insureds had already been able to obtain coverage through the exchange or expanded Medicaid, but remaining members were transitioned to the California Department of Health Care Services on July 1.

Medicare in the state of California

In 2015, California Medicare enrollment reached 5.6 million, about 14 percent of the state’s population. For comparison, 17 percent of the U.S. population is enrolled in Medicare.

Eighty-six percent of California Medicare recipients qualify based on their age alone, while 14 percent are on Medicare as the result of a disability.

Medicare spends about $8,598 per enrollee each year in California. At $50.6 billion per year, in 2009, the state ranked No. 1 in terms of overall Medicare spending.

Medicare Advantage plans offer additional benefits to Medicare-eligible individuals who want them. Medicare beneficiaries may select a Medicare Advantage instead of Original Medicare, and 39 percent of California’s Medicare beneficiaries were enrolled in Medicare Advantage in 2016. Nationwide, 31 percent of Medicare recipients are enrolled in Medicare Advantage plans.

About 37 percent of California Medicare beneficiaries are enrolled in Medicare Part D plans for stand-alone prescription drug coverage, compared with 45 percent nationwide.

California health insurance resources

Health reform legislation in California

In 2017, California lawmakers considered S.B.562, the Californians for a Healthy California Act. Introduced in February 2017 by Senator Ricardo Lara (D, Bell Gardens) and Senator Toni G. Atkins (D,San Diego), the bill would create a single-payer system in California, although the details of the financing and coverage specifics were not finalized when the bill was brought for consideration. Although the measure passed the Senate in June 2017, the California Assembly pended it indefinitely.

California residents voted on two healthcare-related propositions in November 2016: Proposition 61, The California Drug Price Relief Act, did not pass (it would have prohibited state agencies from paying more for any prescription drug than the lowest price the U.S. Department of Veterans Affairs pays for the same drug). But Proposition 56 passed, increasing the per-pack cigarette tax from $0.87 to $2.87; a majority of revenues are slated to fund health care for low-income Californians.

Here’s a summary of recent legislative action regarding healthcare reform at the state level in California:

  • SB4 – The California Senate passed SB4 in early June 2015, the Assembly in September, and on October 9, 2015, Gov. Brown signed it into law. The legislation, renamed the Health for All Kids Act, focuses on Medi-Cal access for undocumented immigrant children under the age of 19. SBF will take effect in May 2016, and it has been estimated that 170,000 undocumented immigrant children will then become eligible for Medi-Cal based on their household income alone.
  • SB10 – This bill was introduced in 2015 and was signed into law by Gov. Brown in June 2016. It would have allowed undocumented immigrants to purchase unsubsidized coverage in the exchange, but the state needed a waiver from HHS in order to implement the law (the ACA does not allow undocumented immigrants to purchase coverage in any state’s exchange, even if they pay full price). California submitted a waiver proposal to HHS, but ultimately withdrew the waiver two days prior to President Trump’s inauguration. California State Senator Ricardo Lara (D, Bell Gardens) had introduced and championed SB10, but he requested that the waiver proposal be withdrawn (and Gov. Brown agreed) because the state was concerned that the Trump Administration could use information from the exchange to deport undocumented immigrants.
  • AB339 – Signed into law in October 2015, this bill applies to all non-grandfathered individual and small group plans in California. It limits the copayment for a 30-day supply of any medication to no more than $250. It took effect January 1, 2017, and will last until January 1, 2020. For high-deductible health plans, the copay limit will apply after the deductible has been met (Covered California already implemented a similar restriction, starting in 2016).

Other California state-level health reform legislation includes: