[quote=spdrun]bearishgurl — the Covered California thing doesn’t make sense. At least in NY, you can buy insurance through the exchange WITHOUT asking for a subsidy. At that point, they don’t really care about your income.
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Apparently even covered california allows you to apply for private insurance without Medi-cal or subsidies.
This is from their website:
“When you apply for coverage through Covered California, your application is automatically checked to see if your family is eligible for financial help through Covered California or for free or low-cost Medi-Cal. If you are not interested in financial help, Covered California also has a separate application you can use, for consumers who do not want financial assistance for a Covered California health insurance plan or coverage through Medi-Cal. Most consumers choose to apply for financial assistance to help pay for health coverage.
Also, covered california is NOT the only place where you can buy health insurance. “off-the-exchange” personal health insurance plans are allowed under ACA and widely used. Here is one example:
