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Having health insurance is required by law in California

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It doesn’t matter if you don’t have a job or if your incomes are low, Veronica’s Insurance helps you to get your health insurance at the lowest prices for you and your family.

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Am I required to have health insurance?

Having health coverage is required by law, if you don’t have it, you could be fined when you do your taxes. The fine has a penalty of $695 per adult, $347 per child, or 2.5% of your annual income as head of household on your tax return, which is more expensive.

Coverage levels

There are 4 different types of coverage for your health insurance:

Health insurance dictionary

When you are hiring a health plan you have to be familiar with a couple of terms to understand which coverage is best for you and your family:

Deductible

It’s the amount of money that you have to pay for your health insurance per year and what you must reach for your health expenses to begin to be covered.

Premiums

It’s the amount you pay for your health insurance per month.

COPAY

Fixed charges paid for control or preventive health services such as consultations, exams, X-rays, etc.

COINSURANCE

It’s the percentage of costs that you share with the insurance company.  

Maximum out-of-pocket

It’s the total payments (including deductible, coinsurance, and copayment) that a patient has to make in a year out of pocket.

OUT-OF-POCKET

It’s the part you pay every time you use your health insurance.  

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Covered California is a registered trademark of the state of California. Obama Care and Health Insurance Marketplace is a registered trademark of the Department of Health and Human Services. VERONICA’S CORPORATION INSURANCE AGENCY LIC. #6000845.