Covered California

It was announced that a special enrollment interval can be held between February 2015 and April 2015 to cut back tax penalties in 2015 for 600,000 Californians who wanted to pay a tax penalty in 2014 because they were uninsured. In the second open enrollment period starting in November 2014, Covered California’s objective was to enroll 500,000 more folks. The California Medical Association and other professional organizations pledged to work with Covered California to promote enrollments. Furthermore, the United States Department of Homeland Security and immigrant rights groups tried to assure potential applicants that any private data disclosed to Covered California would not be shared with U.S. which work together to help health insurance consumers to get the protection and care that’s right for them.

In addition to the $46 enrollment payment, international students, non-immigrant visa holders, or students without eligible authorized status pays $300 per unit. Covered Californiato complete a web-based application for Medi-Cal or low cost health insurance. What has been addressed is the premium cost for people. The subsidies are an “Advanced Premium Tax Credit” which implies that the tax credit is utilized immediately and the person pays solely the online premium after the credit. They do not have to attend till they file a tax return to get the tax credit score. As of the June 2020 Covered CA Membership profile, Shasta County had 7670 enrolled people, compared to 6510 in June 2019.

When the law was passed in 2010, each of the 50 states needed to determine to either create a state-run health insurance exchange or provide enrollment via a federally-operated exchange. This state chose to create their very own trade and referred to as it “Covered California”. We provide Covered California Individual/Family and Small Group Health Insurance statewide. We might help you to find affordable health insurance and decide if you’re subsidy eligible. It is important to find an insurance broker who will information you thru the insurance choice course of and educate you on the number of health insurance options out there to you. Health insurance plans includes PPO & HMO health plans, Group medical insurance, Employee Benefits, Life Insurance, Medicare Supplement Insurance, Medicare Advantage for people, households and Group Benefit Plans.

The majority of those enrolled confirmed incomes of % of Federal Poverty Level , with 37.9% falling into the % of FPL range. Answer a couple of questions and we’ll show you health plans which may be best for you and your loved ones. Covered California supplies vision care for children, but doesn’t provide any for adults. However, Covered California will work with certain companies to supply vision care on to the adults. California was the primary state within the U.S. to set up a health insurance marketplace. Organizations such as the California Taxpayers Association and California Chamber of Commerce and Anthem Blue Cross had opposed the bills in whole or partly, however Schwarzenegger had made Obamacare in California a priority.

If you need to change insurance policies, the open enrollment period is the best time. The complete family can use the special-enrollment period to enroll in coverage. You transfer within California and gain entry to a minimum of one new Covered California health insurance plan.

Tips On How To Pay Your Month-to-month Premium At Healthcare Gov

Your whole household income have to be between 128% and 400% of the federal poverty stage, or FPL. Now that you just’re signed up, we’ll send you deadline reminders, plus tips about how to get enrolled, stay enrolled, and get essentially the most from your health insurance. If you don’t see your summary or nonetheless aren’t positive you finished enrollment, name your insurance firm. They can confirm if you enrolled and paid your first premium. Click on “My Plans & Programs” to see which plan you are enrolled in. Your protection start date depends on if you enrolled or changed plans.

But California has its own marketplace, called Covered California. California Exchange Plans is your trusted source for details about Covered California health plans and quotes for individual & family health insurance. If you are not sure you are enrolled, yow will discover out in case your health insurance is lively by checking your online Marketplace account. If you assume you’re enrolled but have questions about your plan, you’ll be able to reference your plan supplies. use the Single Streamlined Application to apply for a range of affordable health care protection options, including free or low cost Medi-Cal. Altogether, nearly 200,000 more folks have bought health insurance this yr in contrast with the identical time period final yr, a 14% increase.

Use online tools that can assist you shortly find the plan that most closely fits your wants. And, enroll in minutes on your computer or cellular gadget using our fast and straightforward online process. If you obtain a toddler in foster care, you’ll need to point “adopted a child” within the drop-down menu whenever you apply.

Refund types can be found online, on the Cashier’s Office, Student Life Office. Refund checks will be issued month-to-month after the first two weeks of instruction each semester. It is the coed’s accountability to pay all charges even if the student withdraws from class after the refund deadline. The application course of may be accomplished online, in-person, by cellphone, fax or mail. Be positive to apply earlier than the Special Enrollment Period expires. It’s always best to not wait until the final minute, as the web site sometimes crashes on the last few days before the deadline.

Protection Fundamentals

Get free and confidential assistance over the phone, in a wide range of languages, from a licensed enroller. Covered California can also be working with greater than 10,000 Licensed Insurance Agents who assist Californians sign up and understand their coverage options through telephone-based service models. Watch the brand new television ads focusing on the special-enrollment interval, in both English and Spanish, at this hyperlink.

Nearly ninety% of individuals with health plans through Covered California get some kind of monetary help. On average, Lee mentioned that assistance covers eighty% of a what the premium cost. For individuals who buy a plan via the marketplace, the federal government will help some of them pay a portion of their month-to-month premiums, depending on how a lot money they make. California is the one state to also supply help, meaning households of 4 that make as much as $154,500 per yr could possibly be eligible for subsidies. Federal regulation lets people who don’t have health insurance through their jobs purchase coverage from private insurers through a state marketplace. Most states let the federal government run their marketplace for them.

Special Enrollment

Your protection will not begin till you pay your first premium. Make certain you proceed to pay your monthly premiums to your health insurance firm on time. If you don’t, the insurance company might end your coverage.

Message frequency varies, but you could obtain as much as one message per week throughout Open Enrollment. A federal government web site managed and paid for by the U.S. Health Insurance Marketplace® is a registered trademark of the Department of Health and Human Services.

Select the plan of your choice and submit the online software. If you qualify for Medi-Cal, you possibly can go to contact yourlocal Medi-Cal office. You have a qualifying life event, similar to an involuntary loss of coverage, relocation, a change in marital status, or the start of a child. To apply for a particular enrollment, you should submit an application inside 60 days of the event date. You will find the lowest costs available for health care coverage.

covered california enrollment

During later open enrollment durations, as some people chose plans through the trade, others become eligible for Medi-Cal protection or obtained protection via an employer. A 2014 analysis estimated that “between 1.1 and 1.3 million people shall be enrolled in Covered California with subsidies at any cut-off date” due to the churn price. The Exchange helps Californians comply with the Obamacare mandate. It helps individuals and households get hold of health coverage that includes the minimum essential benefits required by the law. Certain carriers are licensed to offer subsidizedObama Care Plans and Prices plansand dental plans via the Exchange.

Follow the instructions out of your insurer about how and when to make your premium cost. The current enrollment fee for all students is $46 per unit. Since it is tax season, this is a excellent time to discuss this together with your tax professional who may have the ability to give you a better sense of your qualifying income. It is commonly a challenge to estimate income, particularly for the self-employed.

As of 2017, eleven insurance companies offer plans via Covered California, nonetheless depending on the county an individual lives in, the number of insurers can range from two to seven. A 2015 California Healthcare Foundation study discovered that the number of hospitals in an insurance network did not considerably affect the standard of care patients received. A research in the journal Health Affairs indicated that whereas hospital networks sold on the marketplace are narrower than their business counterparts, geographic entry is analogous, and the quality of care could even be better. However, an absence of healthcare provider options might weaken the leverage of insurance companies when negotiating costs, leading to higher premiums. All Covered California health insurance plans provide pediatric dental care. Adults have the choice of selecting supplemental dental care services of their plan.

“covered california,” “california health benefit exchange,” and the covered california logo are registered trademarks or service marks of covered california, in the united states. this web site is owned and operated by health for california, which is solely liable for its content. this web site isn’t maintained by or affiliated with covered california, and covered california bears no responsibility for its content material.

In 2016, the proposed finances was $308 million, which was $28 million lower than the yr before. For the fiscal 12 months of , the proposed finances is $313.9 million. Have an authorized enroller name them and assist them for free.

covered california enrollment

To obtain an enrollment charge refund, students must withdraw from school or drop class by the refund eligibility deadline. Refund checks for complete or partial withdrawals from school might be processed after the first two weeks of instruction. Refund checks might be mailed to the coed address on file in the college Admissions and Records Office. If you’ve a brand new handle, please notify the office as quickly as potential. If you paid online by bank card, a refund will be issued to the bank card used for cost. If your debt stays unpaid, Diablo Valley College could garnish your California state tax return via the state mandated Chancellor’s Office Tax Offset Program .

Covered California announced at present that efficient Feb. 1, anyone uninsured and eligible to enroll in health care protection via Covered California can sign up by way of May 15. If you are a business owner, you might be able to obtain group health insurance California protection. This would permit you to offer coverage from a number of carriers and nonetheless have just one invoice. Prices will be the similar on all group health Covered California plans whether they’re bought on the State Exchange or not.

The new quantity announced Tuesday — 1.fifty seven million — comes after the state once more imposed a stay-at-home order on most of the state following a surge of new circumstances. California surpassed 30,000 coronavirus-associated deaths on Monday. There were 474,000 potential new enrollees by the tip of the second common open enrollment period in February 2015.

© Copyright 2021 • Health Net HMO and HSP health plans are provided by Health Net of California, Inc. Health Net EPO insurance plans, Policy Form #P34401, EnhancedCare PPO insurance plans, Policy Form #P35001, and PPO insurance plans, Policy Form #P30601, are underwritten by Health Net Life Insurance Company. Health Net of California, Inc. and Health Net Life Insurance Company are subsidiaries of Health Net, LLC. Health Net is a registered service mark of Health Net, LLC. Covered California is a registered trademark of the State of California.

TheseCovered California planscan sell insurance on or off the Exchange. But for certified customers, rates could be better if the medical plan is bought via the marketplace. For folks with a family income that is below four hundred% of theFederal Poverty Level(“FPL”), Covered Ca could qualify them to receive financial assistance, also called a “Subsidy”, which reduces their premium. And if income is between 138% and 250% of the FPL, the State Exchange may also qualify individuals for further reductions that cut back their cost for medical services.

Consumers can safely discover if they’re eligible for financial assist through Covered California, or low-cost or no-cost Medi-Cal, and see which plans are available of their space by using the CoveredCA.Com Shop and Compare Tool. All they should do is enter their ZIP code, family income and the ages of those that want coverage and they’re going to see the choices available in their area. Under the landmark state program, Californians earning up to $76,560 — or a family of four with a household income of up to $157,200 — could also be eligible for monetary help to decrease the cost of their protection.

Covered California Enrollment Deadline Expanded Due To Pandemic – KPBS

Covered California Enrollment Deadline Expanded Due To Pandemic.

Posted: Tue, 31 Mar 2020 07:00:00 GMT [source]

The subsequent open enrollment interval is October fifteenth, 2019 through January thirty first, 2020. During this time frame, you might apply for a brand new plan or switch Covered California plans. If you miss enrolling throughout this era, you won’t be able to use for Obamacare protection until the subsequent open enrollment. Last year, Covered California established a COVID-19 special-enrollment period from March 20 to Aug. 31, which allowed any eligible uninsured individual to enroll.

It is run by an independent company of the federal government of California. Note that you simply received’t be eligible for special enrollment when you misplaced your previous health plan because you did not pay your month-to-month premiums or when you voluntarily cancelled the coverage. Once you enroll in a plan, you’ll pay your premiums on to the insurance firm — to not the Health Insurance Marketplace®.

California Exchange Plans supplies one of the best customer support obtainable – we do the work so that you can ensure you make the best choice. We also can allow you to buy “exterior” the trade if you not subsidy eligible. The program was named “Covered California” in October 2012. Efforts to coach potential enrollees about Covered California began in 2013, together with $37 million in grants to 48 organizations. As of November 2013, over 360,000 folks had accomplished applications. Covered California is the state’s health insurance marketplace, the place Californians can find affordable, high-quality insurance from prime insurance companies.

In addition, the change spent $9 million on an ad marketing campaign to spread the word to those that wanted protection during the disaster. More than 289,000 folks signed up for health care coverage during that time, which is more than twice the number who signed up throughout the same interval in 2019. For Californians to be in compliance with the mandate, they’ll need to be enrolled on a qualified health plan, plan that meets the government’s necessities for minimal important protection. The primary protection requirement is that the insurance must cover the 10 minimal important benefits, similar to preventive services,Prescription Drug Coverage, and maternity and new child care. Qualified health plans may be acquired by way of Covered California, Medi-Cal, Medicare, group insurance, a plan through the military, or off-exchange directly through the service.

She is the founding father of Affiliated Benefit Services the place businesses and people are assisted in selecting proper merchandise, compliance with complicated benefit legal guidelines and claims points once protection is positioned. This does not mean that anything has been done to deal with the extraordinarily high cost of health care in the U.S. Often folks suppose that packages like the ACA are designed for the poorest people. The ACA was designed to particularly target the “working poor” or those earning less than four hundred% of FPL.

Learn more about Covered California’s Small Employer Health Option Program . This program is open to Employees whose Employer has registered and selected plan options. Most of those people, about 718,000, reside in Southern California, the place the coronavirus outbreak is at its worst. Text is on the market underneath the Creative Commons Attribution-ShareAlike License; further terms may apply. By utilizing this site, you agree to the Terms of Use and Privacy Policy. Wikipedia® is a registered trademark of the Wikimedia Foundation, Inc., a non-profit group.

As of 2015 the uninsured price in California was 8.1 percent, a 9.1 % lower from the rate previous to the implementation of the Affordable Care Act. Of the 5.four million Californians who gained health insurance protection throughout this era, 1.four million obtained protection through Covered California, and 4.1 million obtained protection from the expansion of Medi-Cal. The number of individuals covered via the change has not elevated considerably from the 1.4 million who enrolled throughout Covered California’s first open enrollment period in 2014.

Check out how it works, or see plan options in your space.

If you lost your job-based protection, your protection will begin on the first day of the month after you choose a plan. Now that you are signed up for updates from Covered California, we will ship you ideas and reminders to assist along with your health protection. Free or affordable packages to start pregnancy coverage instantly. But you’re in luck ⁠— we have plans to suit each price range. ED AF7F-E1D525CFECA5 Get Started Learn about coverage ranges and tips on how to apply.

Children underneath 19 get free vision care with a Covered California health plan. Children get free dental care with a Covered California health plan. Adults or households can add dental coverage to their health plan buy. Subscribe to get e-mail updates with important deadline reminders, useful tips, and other details about your health insurance. You can enroll in Marketplace health coverage by way of August 15 due to the coronavirus illness 2019 (COVID-19) emergency.

While the new particular-enrollment period will assist millions of Americans throughout the nation, open enrollment is still underway in California, and shoppers have a couple of days left to sign up for coverage that starts Feb. 1. The annual open-enrollment interval runs through Jan. 31, and consumers who sign up this month will need to pay their first bill to be able to have their protection take effect on Monday. After you submit an utility, you aren’t officially enrolled till you pay the primary month’s premium. It must be remitted by the due date or your application will not be processed.

You are already enrolled in a Covered California plan and also you lose a dependent or lose your status as a dependent due to divorce, legal separation, dissolution of domestic partnership, or demise. One or each members of the brand new couple can use the particular-enrollment interval to enroll in protection. You could possibly get assist with your month-to-month payments, or if eligible, receive free or low-cost protection through Medi-Cal. Carefully evaluation these, and look by way of your plan’s provider directory to see where you may get care.

Covered California is the only place the place individuals who qualify can get monetary assistance on a sliding scale to reduce premium prices. Consumers can then compare health insurance plans and choose the plan that works best for their health wants and finances. Depending on their income, some shoppers may qualify for the low-cost or no-cost Medi-Cal program. California State health insurance purposes are accepted annually at open enrollment.

If you are a Certified Enrollment Counselor, Certified Insurance Agent, or Certified Enrollment Entity, clickGo to Enrollment Counselor Homepage. The workers consists of 1,230 approved positions in fiscal yr . Covered California receives no funding from state taxes; as of January 2014, it had acquired $1.1 billion in federal funds, but needed to be self-supporting by January 2015. The estimated expenditures for personnel in fiscal yr had been $108 million. It is projected that in fiscal yr 2015, that Covered California will have a multimillion-dollar deficit. Covered California additionally continues to help COVID-19 safety precautions — together with sporting a masks, washing your hands and watching your distance — in addition to contact-free enrollment over the telephone or online.

Digital advertisements will begin appearing on Monday, Feb. 1, and new television advertisements will start airing statewide on Monday, Feb. 15. In addition, shoppers who sign up through might find out that they’re eligible for no-cost or low-cost protection through Medi-Cal, which they will enroll in online. It is essential to note that those who are eligible for Medi-Cal can enroll 12 months-round and have coverage that’s efficient immediately. Your utility may be marked as “conditionally eligible”. You shall be covered for the following ninety days however you’ll be requested to providesupporting documentsin order for the insurance or the subsidy to proceed.

These additional reductions are referred to as “Cost Sharing Reductions”. To be eligible for a subsidy and probably for cost sharing reductions, you have to fall within Covered California income limits and never be provided affordable, full coverage healthcare via an employer, Medicare, and so forth. Enrollments must be submitted via the State Marketplace, a Certified Insurance Agent, or a Certified Enrollment Counselor. The Covered California Health Exchange is the federal government company providing subsidized Obamacare plans for this state. The California Health Exchange was created to assist citizens and legal residents with applying for marketplace protection so as to adjust to the Affordable Care Act (“ACA”).

These subsidies might be reconciled when the tax return is filed. If income is definitely higher than estimated, the surplus tax credit score will need to be returned to the federal government. If income is actually lower, a tax refund could be generated. Certified Enrollment Counselors, Certified Insurance Agents, and Certified Enrollment Entities are comprised of trusted and recognized organizations and people. They assist consumers study, navigate, and apply for Covered California Health Plans supplied by Covered California.

Due to the COVID-19 Pandemic, you’ll be able to enroll at present in a Health Net health plan for coverage via Covered CA or instantly via Health Net. The Department of Health Care Services and Covered California have partnered to create a Single Streamlined Application for affordable health care coverage. Enrollment surged once more final summer, peaking at 1.53 million people after a further 289,000 people bought coverage during a special enrollment interval due to the coronavirus.

the e-mail addresses and phone numbers that appear throughout this website belong to health for california, and can’t be used to contact covered california. During the open enrollment interval, you’ll be able to renew your existing plan. You received’t need to do something if you want to keep what you could have. But in case your current plan is altering — for instance, your PCP is leaving the network, or your medicine aren’t within the listing of covered drugs — then you may need to switch to a plan that best suits your current needs.

When the law was crafted, it was proven that this was the income range for the majority of the uninsured. The state of CA enhanced these subsidies by adding further subsidies to those incomes as much as 600% of FPL. Covered California’s budget comes from a small surcharge it collects on premiums. It has spent hundreds of millions of dollars lately on advertising and outreach, which include TV advertisements and paying social media influencers to inform their followers how to sign up for protection.

In this instance, a 33 1/three p.c administrative charge might be added to your delinquent stability. This steadiness might be forwarded for collection to the State Franchise Tax Board . In addition to the $forty six enrollment fee, non-residents of California can pay $300 per unit. Margaret Beck CLU, ChFC, CEBS started her insurance follow in Redding in 1978.

Covered California’s present open-enrollment interval runs via Jan. 31, and consumers should join by that deadline to have protection that begins on Feb. 1. An estimated 2.7 million Californians are uninsured, together with 1.2 million who’re eligible for monetary help from Covered California or via Medi-Cal. is sponsored by Covered California and the Department of Health Care Services, which work collectively to help Californians get the coverage and care that are right for them. Health for California Insurance Center is licensed with the Department of Insurance and Covered California. HFCIC is a Covered California Storefront and is one of the largest Covered California enrollment facilities within the state. Get correct quotes in seconds without having to offer your email or telephone number.

In 2016 we are an authorized Covered California “Store Front” and Agency.For over 15 years we have helped Californians’ find health insurance that meet their price range and benefits. Covered California is exclusive among ACA marketplaces in actively using its “active purchasing” negotiating energy to cut price for decrease premiums, standardize benefit designs, and require enhancements in high quality and equity. This is in distinction with many different state exchanges without “selective contracting” capacity, which should supply all qualifying products supplied by insurers. Of particular discover to customers, the standardized benefits reduce complexity and client confusion, allow for apples-to-apples comparisons for consumers, and encourage head-to-head price competition to decrease premiums. The government order also introduced that the federal government will resume investing in advertising and outreach which can assist inform and enroll Americans throughout the nation. In addition, Covered California will be investing a minimum of $6 million over the subsequent few months to lift public awareness concerning the new special-enrollment period.

  • Covered California is an independent part of the state government whose job is to make the health insurance marketplace work for California’s customers.
  • The workers consists of 1,230 approved positions in fiscal yr .
  • The Department of Health Care Services and Covered California have partnered to create a Single Streamlined Application for affordable health care coverage.
  • You received’t have to do anything if you want to keep what you have.
  • If you do not, the insurance company may end your coverage.

Your software may be processed for Medi-Cal insurance instead of the health plan you requested through Covered California. Usually, this action is taken in case your IRS income information from the prior yr had been decrease than the income listed on your utility. You are part of a Federally-recognized American Indian tribe or are an Alaska Native. You may apply or swap Covered California plans once a month, if desired. You might want to buy a plan by way of the marketplace should you qualify for a tax credit score to help offset your premiums. Qualifying normally is dependent upon your income and family measurement.

Students who owe enrollment fees or other debt is not going to be permitted to register for classes and will not obtain certificates or levels until their money owed are paid. Graduation petitions shall be evaluated once the student has met their monetary obligation. All debts have to be paid no later than the end of the term in which the fees have been incurred.

A federal government web site managed and paid for by the U.S. If you didn’t obtain a card, name your insurer to see should you should have received one already and to ensure your coverage is effective. You can find your insurer’s cellphone quantity on their web site. The voluntary $5 Student Activity Fee permits student government to provide funding for student-associated actions and services.

The fiscal 12 months was the last yr that Covered California used federal establishment funds. The government extended funding for that yr and gave roughly $a hundred million. After that year, Covered California has gradually decreased bills to avoid wasting their funds. In 2015, it proposed a finances of $332.9 million, leaving $194 million in reserve funding. The precise budget adopted was roughly $335 million.

If your income is beneath 128% of the Federal Poverty Level, you qualify for Medi-Cal, which is Medicaid for Californians. You have misplaced coverage after leaving energetic responsibility, reserve duty, or the California National Guard. On the date of the delivery, adoption or placement in foster care. The first day of the month following the delivery, adoption, or placement in your foster care of a child. Have a licensed insurance agent call you to discuss your options. Adults can enroll immediately into a choice of two completely different providers.

Based in your income and family measurement, you may additionally qualify for presidency reductions by way of the Affordable Care Act. You are already enrolled in a Covered California plan and turn into newly eligible or ineligible for tax credit or cost-sharing reductions. We’ve updated our rules in order that anyone can apply for protection today, even when you haven’t experienced a life event like the ones beneath. is sponsored by Covered California and the Department of Health Care Services, which work collectively to assist health insurance consumers to get the coverage and care that’s right for them. Students are anticipated to pay their registration fees and all different monetary money owed on the time of registration.

Another necessary cause to enroll is that California’s individual mandate penalty remains in place for 2021. Consumers who can afford health care protection, however choose to go without, could pay a penalty when filing their state income taxes in 2022. The penalty is run by California’s Franchise Tax Board, and might be as a lot as $2,250 for a family of four. Covered California is a free service that connects Californians with model-name health insurance underneath the Patient Protection and Affordable Care Act. It’s the one place the place you will get financial assist when you buy health insurance from well-known companies.

That means when you apply, you may qualify for a reduction on a health plan by way of Covered California, or get health insurance via the state’s Medi-Cal program. Open enrollment is the period during which people should purchase health insurance for the upcoming year. During Open Enrollment you possibly can apply without a Qualifying Life Event. The vary of income qualifying as % for an individual is $31,225-49,960. With a population of about a hundred and eighty,000 and 7% uninsured, there could be as many as 12,600 uninsured individuals which will qualify for assist paying health insurance premiums.

Covered California is an independent part of the state government whose job is to make the health insurance marketplace work for California’s customers. It is overseen by a five-member board appointed by the governor and the Legislature. For extra information about Covered California, please visit The most recent knowledge shows that 1.4 million individuals, or almost 90 p.c of Covered California’s enrollees, are receiving some level of monetary help that lowers the cost of their monthly premium by a mean of almost eighty %. The executive order issued by President Biden will strengthen the Affordable Care Act and Medicaid to allow them to continue to provide entry to reside-saving care.

Your plan will send you a membership package with enrollment materials and a health insurance card as proof of your insurance. You’ll use the card if you get health care companies, so keep it in a protected place. Covered California’s enrollment declined three years in a row until 2020, when a new state law took effect that imposed a tax on individuals who don’t have health insurance. That identical 12 months, California spent millions of dollars on subsidies to help middle-income earners pay their month-to-month health insurance premiums — the primary and solely state to do this. Covered California is the health insurance marketplace within the U.S. state of California established underneath the federal Patient Protection and Affordable Care Act . The change allows eligible individuals and small companies to buy private health insurance protection at federally subsidized charges.