Dealing with health insurance can be overwhelming, especially for young people who are considering insurance options for the first time. Covered California simplifies the process and helps people understand why health insurance is important and how to access affordable, quality care.

Below explains Dr. Monica Soni, Chief Medical Officer of Covered California, breaks down the basics of health insurance to empower residents to make informed decisions about healthcare options.

What is health insurance and why do we need it?
Health insurance protects you from high medical bills and provides access to routine care such as checkups, vaccinations, home health care and medications. It helps you stay healthy while avoiding unexpected financial stress.

How can I afford health insurance if my budget is limited?
Covered California offers financial assistance to make insurance coverage more affordable. Most people are eligible for assistance, which significantly reduces monthly premiums as 90 percent of our 1.8 million participants receive financial assistance to help pay their monthly premium.

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What are the risks if you do NOT have health insurance?
Without health insurance, you risk incurring excessive medical bills in the event of illness or injury, as health emergencies remain the most common cause of bankruptcy in the country. Coverage is also required in California. So if you don’t have insurance, you could face penalties – up to $850 per adult and $425 per dependent, with an annual maximum of $2,250. Many can get quality coverage and enjoy the peace of mind that comes with health insurance for much less money.

What is Covered California and how does it work?
Covered California is a free service that helps Californians find quality health insurance from well-known companies. This is made possible by the Affordable Care Act, also known as Obamacare. It is the only place to get financial help to reduce insurance costs.

Covered open enrollment in California ends January 31, 2025, but the deadline for 2025 coverage is December 31. Take the first step today and start building a healthier future.

To find out more, visit https://www.coveredca.com/lets-talk-health/