Your Guide to California Health Insurance Before we jump right into California health insurance and everything you need to know, let’s st...
Your Guide to California Health Insurance
Before we jump right into California health insurance and everything you need to know, let’s start with a little background information. In 2010, the Affordable Care Act (a.k.a “Obamacare” or ACA) was passed with the goal of getting all Americans access to affordable health insurance. To meet this goal, one measure Obamacare took was to create the ACA health insurance marketplaces, or health exchanges: one-stop shops where Americans can choose from a range of standardized, government-regulated health care plans. Health exchanges are also where eligible people can get subsidies, which lower the cost of their health plans.
States were given the option to run their own local exchange, take part in a multi-state exchange, or use the federal exchange (aka HealthCare.gov). States that run their own exchanges get to customize many elements, including the time frame during which their residents can sign up for a plan. Several states decided to operate their own state exchanges and continue to do so to this day. California is one of those states.
Covered California vs. eHealth
eHealth is a private, online health insurance exchange where you can shop for individual, family, and small business health insurance plans. eHealth’s exchange is separate from the government-run exchanges like Covered California, but in many states eHealth has agreements to partner with the government-run exchange. In those states, if you want a qualified health plan under the Patient Protection and Affordable Care Act that will allow you to get federal subsides, you can still shop those plans on eHealth. In addition to qualified health plans, eHealth has a wide range of health insurance plans and products that you might not find on your state’s health insurance exchange.
About Covered California
Covered California was the first state to create their own health insurance market under the Affordable Care Act. Today, there are about 1.52 million enrolled in health insurance plans through Covered California. Fortunately, 1.2 million of those people were able to qualify for federal subsidies. Covered California works with 11 different health insurance companies to offer affordable options in the individual, family, and small business marketplaces. The plans available to you will depend on your pricing region.
Getting Cheaper Car Insurance For Teen Drivers
Having a new teen driver in the family can be an exciting and proud time—but also a stressful one when trying to find affordable car insurance. Car insurance in California for teens can be quite expensive due to the high risk for insurance companies to cover such a driver.Car-related accidents among teen drivers ages 16-19 are almost three times as likely as drivers age 20 and older, according to IIHS (Insurance Institute for Highway’s Safety). That being said, finding affordable car insurance for new drivers can be challenging, but with a few simple tips, you and your teen can save on otherwise large premiums by taking advantage of teen car insurance discounts.
Good Grades Equal Good Student Discounts
Students who maintain a 3.0 GPA can qualify for good student discounts on car insurance for teens. Insurance companies offer these discounts, as studies show that students with higher grade point averages are more responsible drivers on the road.
According to the Accident Analysis and Prevention journal, students with a 3.0 GPA or higher are 33% less likely to have an accident within their first year of driving, compared to student drivers with lower GPA’s.Contact The Insurance Place for a Free Quote on Your Teen’s Car Insurance
Take a Professional Driving Class
Teen drivers who complete a professional driving class, such as a defensive driving course, are considered less likely to get a traffic ticket or be involved in an accident—and this can result in more affordable car insurance.Defensive driving classes include an examination of traffic laws, road hazards, driving techniques, DUI prevention and education, and are certified by a state’s DMV or Department of Public Safety. Completing one of these courses is a great way to save on car insurance for teens.
Drive a Safe Car, Garaged, With An Anti-Theft Device
Whether your teen is driving the family car, or their own, discounts resulting in affordable car insurance are as simple as driving a car that’s garaged with an anti-theft device. In general, cars with larger bodies, good crash safety ratings, and quality anti-theft devices are among IIHS top safe vehicle picks.Safe cars mean cars that are less at risk, and insurance companies will provide the best car insurance for young adults when these factors are met. Also known as vehicle safety discounts, this is a smart and simple way to obtain affordable new driver insurance.
Combined Policy vs. Single Policy
When trying to determine the best insurance for new drivers, a combined policy vs. a single policy is an important question to get the most affordable car insurance—for both your family and your teen.Teen drivers can have their own insurance policy, and this is recommended if there are infractions on the family policy; e.g. traffic tickets, accidents, etc., as adding a teen driver to this policy can incur hefty premium increases. However, a teen driver can face high car insurance premiums if going at it alone. So if a family policy is relatively clean, it’s best to include your teen driver on this policy.It’s important to note that a teen driver should have more than the minimum coverage. Meaning, a teen driver is more at risk for traffic violations, and a family or multi-car policy should reflect this. This will ensure financial peace of mind for everyone on the policy.
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