Health care coverage begins January 1, 2014
: Under the rules, the most comprehensive policies classified as gold and platinum level coverage will have no annual deductibles and offer office visits as low as $25. All silver plans, the moderate-price option, will have $2,000 annual deductibles for individuals, charge $45 for primary care office visits and $250 for using emergency rooms. Bronze plans, expected to have the lowest premiums, will have $5,000 deductibles for individuals and $70 office visits. Annual family deductibles are double those of individuals. Consumer cost sharing amounts will be lower for people whose income qualifies them for subsidies.
In announcing the rules, the state also launched its official website Covered California website
(Cost-Estimate Calculator), part of what is expected to be an all-out effort to reach millions of state residents who will be directly affected by the law because they are uninsured, buy their own coverage, or work for a small employer.
The state does not yet have premium information from insurance carriers, but expects to announce those rates in June, Lee said.
The Oregon exchange is expected to begin enrolling uninsured Oregonians and small businesses with less than 100 employees by October 2013, and providing coverage by January 2014. The website of Oregon’s Health Insurance Exchange
, with information and updates that includes overview of the exchange, and links to meetings and resources.
All others: State Health Insurance Guides