As they apply for health insurance, many people in California have confusions about the whole idea and look for answers to queries that concern health insurance plan and benefits in their individual cases. Everyone may have different needs and reasons to seek insurance and while looking for a suitable California health insurance quote online, they can also consult private brokers for guidance on particular aspects.
Listed below are some common misconceptions or myths associated with health insurance and check the reality behind these: I cannot get health insurance because of my pre-existing condition – Obamacare has stopped the once common issue of being refused insurance due to pre-existing health condition. You can no longer be turned down for principal medical coverage and cannot be charged high premiums because of it. If you smoke however, you may have to pay a higher premium.
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In other words, you can get monetary help from the government to pay for health insurance. Subsidies are available not only for the people who are categorized as ‘poor’ but also for those with low incomes. What’s more, subsidies are based on running income and not financial assets like house or a car. So you are entitled to subsidies as per your yearly earnings and not the size of home that you live in.
Because I am old, health insurance will be too costly – Obamacare has offered solution for this problem too. Even though insurance providers are permitted to charge higher premiums as per advancing age, there is a limit as to how high can they go. Now, the premium on a health policy for the elderly cannot be more than thrice the premium for the health plan’s younger