It’s hard to know which health insurance is best in Mono, Inyo and Imperial counties, and part of the reason is that a plan that’s great for one person may not be for the next. Here is a listing of the plans available to you, along with pricing estimates and links to provider lookups. Not your location? Start with our California health insurance directory.
Do you have experience with these insurance companies? Share your review in the comment section below.
Obamacare Health Insurance Plans in Mono, Inyo and Imperial Counties
|Estimated Monthly Premium*||Doctors Included
|Shop For Health Insurance|
|Anthem||Anthem Bronze 60 Health Savings Account PPO||$312||Visit Anthem to locate in-network doctors>>||for Anthem health insurance plans|
|Anthem Bronze 60 PPO||$310|
|Anthem Multi State Plan Silver 70 PPO||$410|
|Anthem Multi State Plan Gold 80 PPO||$502|
|Anthem Platinum 90 PPO||$589|
|Blue Shield||Blue Shield Bronze 60 Health Savings Account PPO||$344||Visit Blue Shield to locate in-network doctors>>||for Blue Shield health insurance plans|
|Blue Shield Bronze 60 PPO||$350|
|Blue Shield Silver 70 PPO||$424|
|Blue Shield Gold 80 PPO||$499|
|Blue Shield Platinum 90 PPO||$572|
|Kaiser Permanente||Kaiser Permanente Bronze 60 Health Savings Account HMO||$237||Visit Kaiser to locate in-network doctors>>||for Kaiser health insurance plans|
|Kaiser Permanente Bronze 60 HMO||$243|
|Kaiser Permanente Silver 70 HMO||$324|
|Kaiser Permanente Gold 80 HMO||$394|
|Kaiser Permanente Platinum 90 HMO||$421|
|*Premiums are estimated for a 40-year-old before government subsidies.
Source: Covered California Health Insurance Companies and Plan Rates for 2015 and Shop and Compare Tool.
Obamacare is complicated. Here are explanations of some terms you may encounter.
Individual Mandate: a stipulation in the Affordable Care Act that requires most individuals to have health insurance or pay a penalty for choosing not to. The individual mandate does not apply to certain groups (i.e., undocumented immigrants, incarcerated individuals, members of Indian tribes, income below threshold for filing a tax return).
Health Insurance Marketplace (or Exchange): an entity run by either state or federal governments, where individuals, families, and small businesses can find all of their available health coverage options, compare costs, benefits, and other plan features, and enroll in coverage. Any particular Exchange can be accessed online, over the phone, or in person. Exchanges were created to promote free-market competition amongst health care plans. Moderate to low-income consumers can also find resources on how keep out-of-pocket costs lower and how to enroll in government assistance programs such as Medicare, Medicaid and CHIP.
Essential Health Benefits: services that must be covered by all Obamacare plans, regardless of the metal tier. These include, but are not limited to, ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, behavioral health treatment, prescription drugs, rehabilitative services, laboratory services, preventative and wellness services, disease management, and pediatric services.
Metal Tiers: Obamacare plans are organized into four metal tiers, based on actuarial value. The four tiers, in increasing order, are Bronze, Silver, Gold, and Platinum. Higher metal tiers have higher monthly premiums but lower cost-sharing. Although metal tiers differ in terms of cost-sharing and premiums, all Obamacare plans include access to the same Essential Health Benefits.
California flag photo courtesy of Shutterstock.