Steve Shorr - Covered CA Certified Agent -
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Health Net Video – How to get subsidies – pay less for coverage
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.
Do you think this process is complicated? See what my CPA thinks.
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
Same Price as Covered CA or Direct with Insurance Company!
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