No matter where you live Health Insurance is a good thing to have. Accidents do happen and you never know when you get sick. By Law we are required to have one (Employer based, Marketplace, Medicaid, private or MediCare). If you don't you may have to pay penalty when you file your Federal tax. You are exempt if you are undocumented or incarcerated.
Your eligibility depends on how much income you and your family make. If you earn less than 138% of Federal Poverty Level (FPL), you qualify Medicaid (Medi-Cal in CA). Then you can enroll any time. If your income is more you may shop Health Insurance through the Marketplace during Open Enrollment Period or Special enrollment with your life event.
Available Health Insurances depend on where you live, and premium you have to pay changes by your age and the tier of Health Insurance you choose (Bronze, Silver, Gold and Platinum; the more you pay every month for your premium better the coverage when you need care.) How much financial help you can get depends on your income and family size. You can find out how much you can save using subsidy calculator.
If you own a small business and are willing to offer your employees coverage, please check out CoveredCA for Small Business in CA, or SHOP Program (Small Business Health Options Program) Nationwide. You may be eligible for a tax credit. Giving your employee Health Coverage can get you the edge to hire and keep good employees.
You can enroll
at CoveredCA.com or call 800-300-1506 in CA
at HealthCare.gov or call 800-318-2596 Nationwide
Ya, it's kind of complicated.
You can find a help
at www.coveredca.com/find-help/ in CA
at GetAmericaCovered.org Nationwide
The penalty started low, but now it’s $695 per person or 2.5% of your income over the threshold. Check the information on fee & exemptions.