Steve Shorr - Covered CA Certified Agent

Steve Shorr - Covered CA Certified Agent -
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Health Net Video – How to get subsidies – pay less for coverage 

  How to find out about qualifying for financial assistance.
 
Kaiser Foundation reports that 27% of uninsured individuals are eligible to purchase a bronze plan with $0 premiums after subsidies in 2019.  Silver plans with cost-sharing reductions (CSR) for single individuals with incomes below 200% of the poverty level can be purchased for roughly $20 to $130 per month after subsidies, depending on an enrollees’ income. KFF

Introduction to Tax Credits and Subsidies
which Help in paying your Premium

IMHO the fastest and easiest way to figure out the tax credits, subsides, APTC Advance Premium Tax Credit, premiums and coverage would be to use our complementary  Calculators and Quote Engines  which we believe are easier to use, save your results and better than Covered CA’s for your subsidy and tax calculations to help pay your premiums.

Please do these calculations FIRST, before emailing us [email protected] or using our scheduler to set a meeting for your FREE initial consultation or ongoing service.  If you are already with Covered CA, we need you to appoint us as your agent (instructions) so that  Covered CA will pay us to help you.     When you have the calculation and coverage summaries in front of you, it’s so much easier to understand and for us to explain how the  Affordable Care Act can help you and your family.

Please note that the Advance Premium  Tax Credits (APTC) will all come out in the wash, when you file your taxes on form #8962 which attaches to  #1040.   That’s when you actually file what you earned during the taxable year, not an estimate.

Check out the new IRS  Publication # 5187  with  simpler  explanations or #974 with full details!  See the menu above for more information and FAQ’s.

Do you think this process is complicated?  See what my CPA thinks.

For more information on the credit, see our premium tax credit page and our questions and answersIRS

The quote engine shows you TONS of plans and variations.  To narrow it down, click on the features and companies you are most interested in.  If you qualify for Enhanced Silver, we urge you to take it.  A 94% Silver is better than 90% Platinum!

How to use our FREE Quote Engine, Subsidy Calculator  and get the MOST from the experience.

When you get a FREE quote, you can also see the benefits, view actual brochures, MD and Hospital Lists all ONE easy process with no obligation & it can be anonymous.   Enter your zip code, date of birth, family – household taxation relationships (MAGI – Definition),    Estimated MAGI – Modified Adjusted Gross Income for the upcoming – current year.  Last years tax return only gives an idea so that Covered CA can approve your advance tax credit to help pay premiums.

If you qualify for tax credits – subsidies and want them in advance (Pros-Cons) of filing your taxes click on “Health On Exchange” – Covered CA, illustrated below.   This website and are individual consultation are provided to you FREE of Charge!  We are paid by Covered CA and/or the Insurance Companies to help you.  When you fill out the Covered CA ONLINE Application, just appoint us as your agent under Find Help in the Upper Right Hand Corner so that we get paid for helping you.  Click here for screen shots for more detail of how to do it.  If you prefer, you can pay us a consultation fee in lieu of appointing us as your agent, for educational services only.

You can then see all the quotes on the exchange, showing the Cost Share Reduction – Enhanced Silver  if available, subsidy – tax credit amount and your net premium.    If you click “Off Exchange” you will see more plans and companies like Assurant and CIGNA who are not participating in Covered CA and may have larger provider lists.   Scroll down for more screen shots.

Then click on “View Plan Details” – “View Doctor’s & Providers” – to compare and get more information.  Please note that the quote engine does not show enhanced silver, but shows silver at 70%.  Check our chart for the better silver coverage.   To apply, click on apply now or use the links in the right hand column, ON THIS PAGE, but it will have you redo the quote for that specific company.   The price is the SAME, no matter if you use us, go direct to Covered CA or the Insurance Company, as mandated by law!  If applying through Covered CA, be sure to sign the form to appoint us as your agent.  It’s not all the easy to figure out how to do it on their website.

 If you have any questions email [email protected] or call us 310.519.1335

Free Instant Quotes - Including Subsidy Calculation

Free Instant Quotes - Including Subsidy Calculation

Same Price as Covered CA or Direct with Insurance Company!

Set up time for phone, Skype or face to face meeting

How to use our Quote Engine  


Please watch the text on this page along with our quote engine too.  We are working to improve the quality of our video's

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