Q. Is health insurance mandatory in California? 

A. Yes, the Affordable Care Act requires just about everyone to have health insurance 

Q. What is the penalty for not having health insurance? 


Q. What is the health insurance subsidy / tax credit? 

A. The subsidy or the tax credit is the amount that you receive (not directly), which helps you pay for health insurance. The subsidy depends on the income (your adjusted gross income), family size and your zip code. Here is the income table for the year 2016

As insurance agents, we receive lots of questions on a daily basis. Some of the most common asked questions will be posted on this website. If you have a question, please feel free to contact us. With your permission, we will post the question on our web site (obviously, no personal data will ever be displayed)

Q. Who can be exempt from health insurance penalty? 
A. Here are potential waivers of health insurance penalty:

-Your income is below the federal income tax filing threshold 
-The lowest priced available plan costs more than 8.05 percent of your income.
-Your income is less than 138 percent of the federal poverty level (about $16,105 for 2015 coverage for an individual) and your state did not expand Medicaid coverage to adults at this income level as permitted under the health law.
-You experienced one of the hardships including eviction, bankruptcy or domestic violence.
-You are a member of an Indian tribe, health care sharing ministry or a religious group that objects to insurance.
-You are in jail.
-You are an immigrant who is not in the country legally.
-For a complete list go to the exemptions page at  healthcare.gov or the questions and answers page on shared responsibilities provisions on the IRS website.

Q. Where can I get a free life insurance quote in San Francisco without providing personal information? 
A. You can easily get a free quote by contacting us. We will be glad to do the searching for you and can provide the quote in 5 minutes!

Q. Do I really need an insurance agent to apply for health insurance?

A. You can probably apply on your own however, the agent can help at no cost find a good insurance plan and save you money and time! Look for independent insurance agents, they are a tremendous resource. We are one of them! 

Q. How can I find a Certified Insurance Agent to help me with CoveredCA? 
A. It is quite easy. You can find an agent by searching "Find Help Near You" on CoveredCa web-site. For example, you can search for Diana Polyakov, a Certified Insurance Agent, provide your zip code (make sure to increase the search distance). Certified Insurance Agents are trained to be fair, accurate and impartial when representing Covered California plans to consumers. Agents can never charge handling, set-up or consultation fees to assist consumers with their Covered California enrollment. 

Q. What is SEP?

A. SEP is the special enrollment period- it allows anyone to apply for health insurance outside of the open enrollment. Here are the SEP reasons: 

- Lost or will soon lose my health insurance

- Permanently moved to/within California

- Had a baby or adopted a child

- Got married or entered into domestic partnership

- Returned from active duty military service  

- Gained citizenship/lawful presence

 - Member of a Federally Recognized American Indian or Alaska Native Tribe

Q. How to correct information on form 1095-A?

A. Here is the form that you will have to file to correct or dispute information on form 1095-A- Dispute Form 1095-A for Covered California Consumer 

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Insurance Center Helpline, Inc.
Individual & employee benefits INSURANCE advisors               Ca Lic. #0I21751