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2020 Open Enrollment for Covered CA

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At Freeway Insurance, we can help you select a plan that best meets your individual and family health needs. We have partnered with Kaiser Permanente and some of the nation’s most trusted insurance carriers to provide you quality coverage at a price you can afford.

Freeway has obtained government health care financial assistance
for over 90% of its customers

Get a free health insurance quote online or by visiting a Freeway Insurance store

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You can also give us a call and we will guide you to any free or low-cost programs for which you may qualify. Even if you already have health insurance, Freeway may be able to find a cheaper plan for you and evaluate the various types of health insurance that best meet your needs.

Important Open Enrollment Dates

  • October 15, 2019

    Open enrollment starts. Plan ahead and make an appointment with a Freeway agent to help you qualify for your best rates, evaluate coverage levels, and and choose a plan.
  • January 15, 2020

    Last day to enroll or change plans and have coverage beginning January 1, 2020. If you miss this deadline you will have to wait to obtain health insurance through Covered California until November 2020. However, if you experience a qualifying event such as a job loss, marriage, or the birth of a child, you can enroll during special enrollment.
  • January 1, 2020

    Insurance coverage begins if you’ve enrolled before December 31, 2019. Here’s a list of qualifying events that enable you to enroll during special enrollment. After the open enrollment period ends, options like Medi-Cal and CHIP (Child Health Insurance Program) are available for low-income individuals and families year round. If you own a small business you may qualify to purchase SHOP (Small Business Health Options Program) for your employees.

What is the penalty for not having health insurance?

If you can afford health insurance but choose not to purchase it, you will face tax penalties when you submit your income tax for 2019.

The 2020 penalties for not having health insurance are $695 per person ($347.50 per child under 18 years-old) – or 2.5% of your annual household income, whichever is greater.

Information and Documentation You Will Need to Enroll

  • The number of people in your household and their birthdates
  • Proof of citizenship or residency
  • Social Security numbers for you and your family members
  • Last year’s tax return, a pay stub, or W-2 forms – this is to determine whether you qualify for free or subsidized health insurance

Let Freeway Insurance help you save money on health insurance

So you can enjoy peace of mind when it comes to your health and your budget. Call or stop by one of our offices to get your health questions answered – we will be happy to advise you and provide a free health insurance quote!