What is ObamCARE/Covered CA?

ObamaCARE is a Health Insurance Platform for Health Insurance Plans that Provide Hospital, Doctor, and Prescription Drug Coverages. All Plans Also Pay for Pre-Existing Conditions which Means Your Current Illnesses Are Covered. In the State of California, ObamaCARE is Called Covered CA.

Who Can Sign up for Obamacare/Covered CA?

Anyone Can Sign Up for ObamaCARE Regardless of Their Age, Immigration Status, Employment Status, or Health Condition. Yet, If You Meet the Three Conditions Below, You Would also Be Eligible for Subsidy to Pay Your Monthly Premiums.

A) Legal Status in US (For Example, as a Citizen, Green Card Holder, or other Statuses with Work Permit),

B) Have A Social Security Number Valid for Employment, AND

C) You Work Or a Family Member of Yours Works, Like a Spouse, or a Parent, etc,), and Make Above the Federal Poverty Line (Some States Like California Have a Higher Limits)

You May Qualify for up to 100 Percent Tax Credit (Subsidy) to Pay Your Health Insurance Premiums which May Cost You a Plan at $0. Even If You Are Not Legal, Other Members of Your Family Who Are Legal, Can Take Advantage of the Subsidy.

When Can I Enroll?

Every Year, Open Enrollment Period for ObamaCARE is from November 1st Until December 15th. During This Period, We Assess Individuals Circumstances to Find them the Best Health Coverage at an Affordable Price. On Top of All That, We Can Also File Your Taxes and Reconcile Your Tax Credits Accurately at the End of the Year.

What if I Miss the Annual Open Enrollment Period?

If You Miss the Open Enrollment Period, You May Still Be Eligible to Sign Up If Any of Following Exceptions Applies to You:

1. Loss of qualifying health coverage: You may report a loss of qualifying health coverage up to 60 days before or 60 days after the loss of coverage or Eligibility to Get Health Coverage Through the Employer.

2. Change in household size. For Example: If You (or anyone in your household):
*Got married
*Had a baby, adopted a child, or placed a child for foster care
*Gained or became a dependent due to a child support or other court order

3. Change in primary place of living: You (or anyone in your household) had a change in your primary place of living and gain access to New Marketplace health plans.

4. Change in eligibility for Marketplace coverage or help paying for coverage. If You (or anyone in your household) Are enrolled in Marketplace coverage and report a change that makes you:

a) Newly eligible for help paying for coverage

b) Newly ineligible for help paying for coverage

c) Eligible for a different amount of help paying for out-of-pocket costs, like copayments

d) Become newly eligible for Marketplace coverage because you’ve become a citizen, national, or lawfully present individual

e) Become newly eligible for Marketplace coverage after being released from incarceration (detention, jail,
or prison)

f) Gain or maintain status as a member of a federally recognized tribe or an Alaska Native Claim Settlement Act (ANCSA) Corporation shareholder

h) Become newly eligible for help paying for Marketplace coverage because you moved to a different state and/or had a change in household income and you were previously both of these:

1. Ineligible for Medicaid coverage because you lived in a state that hadn’t expanded Medicaid.

2. Ineligible for help paying for coverage because your household income was below 100% of the Federal Poverty Level

5. Enrollment or Plan Error: You (or anyone in your household) Weren’t Enrolled in a plan or were enrolled in the wrong plan because of:

a) Misinformation, misrepresentation, misconduct, or inaction of someone working in an official capacity to help you enroll (like an insurance company, Navigator, certified application counselor, agent or broker)

b) A technical error or other Marketplace-related enrollment delay

c) Incorrect plan data

d) Can prove your Marketplace plan violated a material provision of its contract

6. Are eligible for premium tax credits and have an estimated household income at or below 150% of the Federal Poverty Level.

7. Applied through the Marketplace for Medicaid or Children’s Health Insurance Program (CHIP) coverage during Open Enrollment or because of a qualifying event. Your state Medicaid or CHIP agency determined you (or anyone in your household) weren’t eligible after Open Enrollment ended, or more than 60 days had passed since your qualifying event.

8. Are a victim of domestic abuse or spousal abandonment and want to enroll yourself and any dependents in a health plan separate from your
abuser or abandoner.

9. Submitted documents the Marketplace requested to confirm your eligibility, but your coverage had already ended after a failure to confirm your eligibility.

10. Have a household income under 100% of the Federal Poverty Level, submitted documents to prove that you have an eligible immigration status, and didn’t enroll in coverage while you waited for your documents to be reviewed.

11. Are an AmeriCorps service member starting or Ending AmeriCorps service.

12. You Can show you had an exceptional circumstance that kept you from enrolling in coverage, like being incapacitated, a victim of a natural disaster, or impacted by another type of national or local emergency or disaster during an Open Enrollment Period or another Special Enrollment Period qualifying event.

13. You Have newly-gained access to an individual coverage Health Reimbursement Account (HRA), or are newly provided a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA).

Should I file my Taxes If Received Obamacare/Covered CA Subsidy?

Yes! You Would Receive a Form 1095-A that You Have to File with Your Tax Return. In Fact, ObamaCARE and Taxes Go Hand in Hand. With Expertise in Both Fields, We Can Get You a Health Plan that You Need while Avoiding Registration Mistakes Which Could Costs You Owing Back the Tax Subsidy You Receive. We Offer a Free-No-Obligation Consultation, and We Speak English, Spanish, and Persian. We Assist Individuals in States of Florida, Texas, Tennessee, Georgia, California, Virginia, and Maryland.

Arash Shahriari, EA, CAA

Licensed H/L, P/C Insurance Agent

NPN: 19279938

Tel: 954-657-1503