Covered California Open Enrollment Period Begins November 1, 2016

The next Open Enrollment will run from Tuesday, November 1, 2016 - Tuesday, January 31, 2017.

Need Help to enroll. Please call John Pham 1-714-531-3637

	OE3 Income Guidelines (PDF)
	Open Enrollment & Health Plan (PDF)

John L. Pham (CA Lic. #0649378)

John Pham Insurance Services

14541 BROOKHURST STREET, SUITE C1

WESTMINSTER, CA 92683

Mobile: 1-714-553-2404

Tel. (714) 531-3637 * Fax (714) 531-3633

Email: johnpham@muabaohiem.com

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Insurance Broker/Agent

35 years of experience

License No. 0649378 Since 1982

14541 Brookhurst Street, Ste. C-1

Westminster, CA 92683

		Phone: (714) 531-3637
		Mobile: (714) 553-2404
		Fax: (714) 531-3633
		Email: johnlpham@yahoo.com

John Pham Insurance Services
14541 BROOKHURST STREET, SUITE C1
WESTMINSTER, CA 92683 License #0649378
Tel. (714) 531-3637 * Fax (714) 531-3633
Email: johnpham@muabaohiem.com

The Federal Poverty Level and Your Healthcare

How Your Income Will Affect What You Pay for Health Insurance in 2014

In 2014, your Federal Poverty Level (FPL), as calculated based on your annual income, will determine how much you pay for health insurance. Your FPL will be used by the Covered California Health Insurance Exchange to identify if you are eligible for advance tax credits and to determine the level of cost sharing that would apply. People whose income is within a certain range of the federal poverty level will be able to get reduced monthly premiums and lower fees for medical services.

What is the Federal Poverty Level?

The "Federal Poverty Level" (FPL) is the measurement standard that the Department of Health and Human Services uses to determine if an individual or family is eligible for government-regulated programs and services. Federal poverty level amounts are updated annually and are commonly published by various government agencies.

How do I qualify for reduced premiums and cost sharing?

To qualify for a subsidy from the government, your family gross income must be no more than 400% of the federal poverty level. View the chart in the next paragraph to find what you qualify for based on your family size and income.

How do I calculate my Federal Poverty Level?

Determine what percentage your family gross income is compared to the federal poverty level by using the chart below.

Step 1:	Find your family size in the left panel.
Step 2:	Find your gross family income level.
Step 3:	Using Steps 1 and 2, look at the top of the chart to see if you qualify for Medicaid, Cost Sharing & Subsidy, Subsidy Only, or No Subsidy.

Example: A family of 3 making $60,000 would go to row 3 and go right to the purple column. This family makes less than $78,120, so they qualify for a subsidy only. In order to qualify for cost sharing as well, they would have to make less than $48,825.