Get A Quote

Blog

2024 ACA Open Enrollment in California: How to Prepare

October 4, 2023

ACA Open Enrollment

The 2024 ACA (Affordable Care Act) Open Enrollment period is quickly approaching, and it’s crucial for Californians to be adequately prepared to make the best decisions for their healthcare coverage. Here’s a guide to help you navigate this important window and make informed choices for you and your family.

Mark Your Calendar

The official Open Enrollment period for 2024 is expected to begin on November 1, 2023, and conclude on December 15, 2023. During this time, you can enroll, re-enroll, or modify your plan on Covered California, the state’s official health insurance marketplace.

Review Your Current Coverage

If you’re already enrolled in a health plan via Covered California, it’s wise to review your existing coverage. Consider:

  • Changes in your health needs or those of your family members.
  • Any shifts in medications or treatments.
  • Changes in your financial situation.

This assessment will help you determine if your current plan still fits or if you need a different one.

Gather Necessary Documents

To ensure a smooth application process, have the following documents ready:

  • Proof of identity (e.g., driver’s license, passport).
  • Proof of California residency.
  • Income documentation (e.g., pay stubs, tax returns).
  • Information about other current health insurance, if applicable.
  • Assess Your Income

ACA plans come with potential premium tax credits and cost-sharing reductions based on your income. Estimating your income for 2024 accurately can help you maximize your benefits.

Research Plan Options

Covered California offers various plans from renowned insurance providers. Spend time comparing:

  • Monthly premiums.
  • Deductibles and out-of-pocket maximums.
  • Network of doctors and healthcare providers.
  • Prescription drug coverage.

Consider Seeking Assistance

Navigating health insurance can be complex. If you feel uncertain, consider:

  • Navigators: Certified professionals who offer free, unbiased guidance on choosing the best plan for you.
  • Insurance Agents: They can help you find the right plan, often at no additional cost to you.

Don’t Miss the Deadline

If you miss the Open Enrollment window, you’ll typically need to wait until the next year unless you qualify for a Special Enrollment Period (e.g., marriage, birth, or loss of other health coverage).

Stay Updated

Changes to healthcare legislation or specific insurance offerings can affect your choices. Stay informed by regularly visiting HRR Insurance Services website or subscribing to our updates.

In Conclusion

The ACA Open Enrollment is an invaluable opportunity for Californians to secure or modify their health coverage for the upcoming year. By preparing early, staying informed, and seeking assistance if necessary, you can make confident decisions that safeguard the health and well-being of you and your loved ones.

Posted in blog and tagged , , ,
Trusted Choice

Accessibility Statement

License #0E81724

HRR Insurance Services

(213) 304-4635
1171 E Alosta Ave
Azusa, CA 91702

This website is owned and maintained by Haywood Rosales, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone number that appears throughout this site belong to Haywood Rosales and cannot be used to contact Covered California.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

Partner/Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal.

The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. To learn more about a plan’s nondiscrimination policy, please click any of the Nondiscrimination links above in the Health plan disclaimers section.

This information is not a complete description of benefits. Call 1-855-949-2097 (TTY: 711) for more information.

Medicare beneficiaries may also enroll in the plan through the CMS Medicare Online Enrollment Center located at http://www.medicare.gov.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Every year, Medicare evaluates plans based on a 5-star rating system.

Out-of-network/non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call the Plan’s customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

Total annual cost is calculated by adding up the total annual cost of any monthly premiums, applicable plan deductible(s) and estimates for all co-pay and co-insurance amounts that will be due for the medications and health benefits used throughout the year. Costs for medications and health benefits vary across pharmacies and health systems, so the costs provided are only estimates. Actual costs could vary.

For plans with Part D Coverage: You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 8 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778 or consult www.socialsecurity.gov; or your Medicaid Office.

You must have both Part A and B to enroll in a Medicare Advantage plan. Members may enroll in the plan only during specific times of the year. Contact the plan for more information.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.