Planes de cobertura mínima

If you are younger than 30, you may be able to buy an additional health insurance plan option called a minimum coverage plan, also known as catastrophic coverage. These plans usually have lower premiums and mostly protect you from worst-case scenarios. Those who have minimum coverage plans do not qualify to receive premium assistance. Minimum coverage plans through Covered California cover three doctor visits or urgent care visits, including outpatient mental health/substance use visits, with no out-of-pocket costs (what you pay in deductibles, copays and coinsurance per plan year) and free preventive care. All other services will be full price but at the negotiated in-network price, until you spend $9,450, after which all in-network services are covered at 100 percent.

People age 30 or older can buy catastrophic coverage if they apply for an affordability or general hardship exemption through Covered California and are approved. If approved, they will get an Exemption Certificate Number (ECN) and may buy a catastrophic plan directly from an insurance company.

Si estás buscando una exención para comprar un plan catastrófico, considera la posibilidad de comprar un plan Bronze en su lugar. Hay muchas razones por las que un plan Bronze podría ser una mejor opción:  

• La prima (costo mensual) de los Planes Bronze y los planes catastróficos suele ser similar.

• Tu deducible (la cantidad que pagas antes de que tu seguro comience a pagar) suele ser más bajo en un plan Bronze.

• Puedes calificar para recibir ayuda financiera a fin de reducir el costo de un Plan Bronze (la ayuda financiera no está disponible para planes catastróficos). 

• No es necesario que solicites una exención: las personas de todas las edades pueden comprar un Plan Bronze.