California Health Insurance Exchange – Understanding How it Works

California Health Insurance Exchange Understanding How it Works

The recently passed Affordable Care Act of 2010 has changed the way that the health care system operates in the state of California, in some small and subtle ways. This has opened up the doors for new state laws that are geared towards providing more comprehensive and affordable health insurance for all citizens. One of the differences that will take place beginning in 2014 is the California health insurance exchange program, which allows individuals and small businesses to purchase standardized insurance plans, with subsidies available from the government to offset the cost. The state can engage in contracting with different private insurance plans, so that it is better able to negotiate premium rates.

Another factor that the California health insurance exchange program allows is the ability to require carriers to offer additional products or services, as determined by the ACA. That could include such supplemental items as dental plans, prescription drug coverage, or visual plans. These exchanges, once they take place, will be separate for individuals and small employers, but they could potentially be united sometime in the next decade, depending on funding and research.

The full law that has gone into the California health insurance exchange is extremely detailed, but it includes coordination with any health programs that currently exist. There must also be interpretive services offered to clients in any language, with a toll-free telephone number available for questions. This is a federal attempt to ensure that individuals understand their health insurance rights, and how this exchange program could work for them. While the results of this new care act have not been instated yet, there are big changes due in California in the next couple of years that will affect many insurance policy holders.

To better understand just how these changes that are being brought about as a result of the California Health Insurance Exchange policies could impact your coverage, it's a good idea to speak to your insurance agent. Professional may recommend that you switch plans now, for a more seamless transition into the new exchange programs, or this may not affect you at all. The main groups of people that will benefit from this are those who have not had access to affordable health care in the past. With new government regulations in place, starting in the state of California, it should be conceivable that there is an affordable plan for anyone who needs it.

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