https://www.coveredca.com/shopandcompare/#calculator
Author’s off-topic rant: Dammit! I’m healthy! For the doctor visits and medications that I paid in cold hard cash, that total amounted to ONE month of a good insurance. And because of dieting and taking my medications, I’m HEALTHY! The insurance plans do NOT benefit me personally.
The problem with this calculator is that it does NOT take into consideration living with family/relatives who are LOANING money to free-loaders/bottom-feeders/under/unemployed people like me.
So how is that not undue burden to the “good folks,” who end up paying for these “tarantados“, likes of divorced psycho nutter living next door to us, the drug/substance abusers, the abortionists, the bums, whatever?
That’s why it is better to be homeless; so that these “good folks” won’t be punished for stupid, lazy, fugly, hopeless people like me. That’s right! It doesn’t make sense?!
I’m NOT going to pay $100, $200, $300 dollars for some private healthcare insurance that I do NOT need! I already paid $800 for diet food and as mentioned above $300 this year alone just for doctor visits and medications!
That’s less than buying insurance! And I’m not a risky person because I stay home all the fucking time! You’re hurting the middle-class! That’s us! We live in the suburbs! I don’t qualify for anything! I pay cash!
What’s wrong with you people?!
The Covered California Shop and Compare Tool
Before you get started: If you currently receive affordable health insurance through an employer or public program, unfortunately, you won’t receive premium assistance to help you afford insurance purchased through Covered California. Covered California is primarily designed to help individual Californians get coverage, many of whom will get financial help.
image Household Information
Number of people in the household *
Household income * Click for help
Monthly Annual Monthly Biweekly Weekly Hourly
Estimated annual income
ZIP Code *
image Enrollee Information
Only enter members of your household who would enroll in Exchange coverage.
Enter the age of each adult
Adult 1 (over 18)
Add adult
Remove adult
Number of dependents age 18 or under0
1
2
3 or more
Total people covered:
Dollar sign Breaking Down the Monthly Cost
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After plugging in both the HOUSEHOLD data and INDIVIDUAL data, here are three possible scenarios:
“Based on your income and family size, it looks like you are not eligible for premium assistance at this time. However, you may purchase affordable health coverage through Covered California for you and your family. Click here to see our affordable options.”
“Good news! You may qualify for help with paying for health insurance through Covered California. Now, let’s take a look at the health insurance plans that may be available in your area!”
“Good news! Because your household income is below the Medi-Cal limit, you may qualify for Medi-Cal.”
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https://www.coveredca.com/shopandcompare/#healthplans
Metal Tiers: Platinum, Gold, Enhanced Silver 70, and Bronze
The four options displayed below detail the options that are the lowest cost and best value for you. You can compare the benefits provided at each plan level or “metal tier.”
The two best options for you are the Enhanced Silver 70 or the Bronze plans.
•Due to your income level, you qualify for the Enhanced Silver 70 plans, which provide assistance with out-of-pocket costs in addition to premium assistance. Enhanced Silver 70 plans will cover an average of 70% of costs, meaning that, on average, you will be responsible for 30% of your health care costs. Most common covered services under the Enhanced Silver Plan do not have a deductible.
•You could also select a Bronze plan. Bronze plans cover an average of 60% of costs, meaning that, on average, you will be responsible for paying 40% of your health care costs. Also, most services covered by the Bronze plan are subject to a deductible, or amount you must pay out-of-pocket before the plan will cover costs.You can compare the charts below to see what your costs would be under each plan. It is important to understand the benefits and risks, and determine how much health care you expect to use. While the Bronze plan has the cheapest monthly premium, the Enhanced Silver Plan provides a lower risk of out-of-pocket costs, making it a better value for most people.
Standard Benefits for Individuals
Key benefits
Bronze 60
Enhanced Silver 70
Gold 80
Platinum 90
Benefits in Blue are Subject to Deductibles
Copays in Black are Not Subject to any Deductible and Count Toward the Annual Out-of-Pocket Maximum
Deductible
$5000deductible for medical
& drugs$2,000 medical
deductibleno deductible
no deductible
Preventative Care Copay1
no costat least 1 yearly
visitno costat least 1 yearly
visitno costat least 1 yearly
visitno costat least 1 yearly
visitPrimary Care Visit Copay
$603 visits per year
$45
$30
$20
Specialty Care Visit Copay
$70
$65
$50
$40
Urgent Care Visit Copay
$120
$90
$90
$40
General Medication Copay
$19
$19
$19
$5
Lab Testing Copay
30%
$45
$30
$20
X-Ray Copay
30%
$45
$50
$40
Emergency Room Copay
$300
$250
$250
$150
High cost and infrequent services (e.g. Hospital Care and Outpatient Surgery)
30%of your plan’s
negotiated rate20% of your plan’s
negotiated rateHMO
Outpatient Surgery – $600
Hospital – $600/day up to 5 days
PPO – 20%HMO
Outpatient Surgery – $250
Hospital – $250/day up to 5 days
PPO – 10%Preferred brand copay after Drug Deductible (if any)
$50
$50
$50
$15
Maximum Out-of-Pocket For One
$6,350
$6,350
$6,350
$4,000
Maximum Out-of-Pocket For Family
$12,700
$12,700
$12,700
$8,000
1 in-network only
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