{"id":7706,"date":"2017-10-19T22:18:03","date_gmt":"2017-10-19T22:18:03","guid":{"rendered":"https:\/\/www.kcal.net\/english\/?page_id=7706"},"modified":"2024-04-11T17:53:50","modified_gmt":"2024-04-11T17:53:50","slug":"2024-health-insurance-application","status":"publish","type":"page","link":"https:\/\/www.kcal.net\/english\/2024-health-insurance-application","title":{"rendered":"2024 Health Insurance Open Enrollment | KCAL Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7706\" class=\"elementor elementor-7706\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d03250e elementor-section-content-middle elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"d03250e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f17776\" data-id=\"7f17776\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca770cc elementor-widget elementor-widget-heading\" data-id=\"ca770cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Open Enrollment for 2024 Has Begun!<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9daba25 elementor-widget elementor-widget-heading\" data-id=\"9daba25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Plans can be as low as $0 month with lower copays and deductibles.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b47e68 elementor-align-left elementor-mobile-align-center elementor-tablet-align-center elementor-widget elementor-widget-button\" data-id=\"7b47e68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-pulse-shrink\" href=\"https:\/\/kcal.f9fae71c9964135b.com\/ivrweb\/health\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-double-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Quote in 2 Minutes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7948555 elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"7948555\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-32b341d\" data-id=\"32b341d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-865a4b9 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"865a4b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#metal-benefit\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2022\/10\/1.png\" title=\"\" alt=\"2023-health-plan-bronze\" loading=\"lazy\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Price\uff1a$\n<br>Popularity\uff1a<font color=\"yellow\">\u2605\u2605\u2605\u2605<\/font> \n<br><a href=\"#metal-benefit\">More Infomation<\/a><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-4a2545f\" data-id=\"4a2545f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e84fd0 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"4e84fd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#metal-benefit\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2022\/10\/2.png\" title=\"\" alt=\"2023-health-silver\" loading=\"lazy\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Price\uff1a$$<br>Popularity\uff1a<font color=\"yellow\">\u2605\u2605\u2605\u2605\u2605<\/font>\n<br><a href=\"#metal-benefit\" data-uw-rm-brl=\"false\">More Infomation<\/a><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-be238b7\" data-id=\"be238b7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e1f58d elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"9e1f58d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#metal-benefit\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2022\/10\/3.png\" title=\"\" alt=\"2023-health-gold\" loading=\"lazy\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Price\uff1a$$$\n<br>Popularity\uff1a<font color=\"yellow\">\u2605<\/font>\n<br><a href=\"#metal-benefit\">More Infomation<\/a><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-d8b52bf\" data-id=\"d8b52bf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a4cd85 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"6a4cd85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#metal-benefit\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2022\/10\/4.png\" title=\"\" alt=\"2023-health-platinum\" loading=\"lazy\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Price\uff1a$$$$\n<br>Popularity\uff1a<font color=\"yellow\">\u2605\u2605<\/font>\n<br><a href=\"#metal-benefit\">More Infomation<\/a><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-b82e221\" data-id=\"b82e221\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5862031 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"5862031\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#metal-benefit\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2022\/10\/5.png\" title=\"\" alt=\"2023-health-minimum\" loading=\"lazy\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Price\uff1a$\n<br>Popularity\uff1a<font color=\"yellow\">\u2605\u2605\u2605\u2605\u2605<\/font>\n<br><a href=\"#metal-benefit\">More Infomation<\/a><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-340d05a\" data-id=\"340d05a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d9e4f56 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"d9e4f56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#metal-benefit\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2022\/10\/6.png\" title=\"\" alt=\"2023-health-hdhp\" loading=\"lazy\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Price\uff1a$\n<br>Popularity\uff1a<font color=\"yellow\">\u2605\u2605\u2605<\/font>\n<br><a href=\"#metal-benefit\">More Infomation<\/a><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2bd01b66 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2bd01b66\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-600b4a84\" data-id=\"600b4a84\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-11bccd25 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11bccd25\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1adb2a24\" data-id=\"1adb2a24\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77e41668 elementor-widget elementor-widget-text-editor\" data-id=\"77e41668\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The 2024 Open Enrollment for individual and family health insurance will start on November 1, 2023. Existing Covered California policyholders can choose plans with most suitable benefits and premiums for 2024 through consultation and price comparison, and decide whether to adjust their insurance. In 2024, there will still be many insurance companies and plans. People who qualify for premium subsidies may even get a great plan with $0 premium and $0 deductible. For people who currently do not have health insurance and are in the transition period of visa or immigration status, Open Enrollment is also an opportunity for insurance that cannot miss.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27b04f03 elementor-widget elementor-widget-image\" data-id=\"27b04f03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" fetchpriority=\"high\" decoding=\"async\" width=\"2250\" height=\"781\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1.png\" class=\"attachment-full size-full wp-image-24459\" alt=\"2024-health-insurance-important-dates\" srcset=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1.png 2250w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1-300x104.png 300w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1-1024x355.png 1024w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1-768x267.png 768w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1-1536x533.png 1536w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1-2048x711.png 2048w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1-1080x375.png 1080w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1-1280x444.png 1280w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1-980x340.png 980w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/2024OE-\u7db2\u7ad9-1-480x167.png 480w\" sizes=\"(max-width: 2250px) 100vw, 2250px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-60c77ca8\" data-id=\"60c77ca8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d53dc84 elementor-widget elementor-widget-image\" data-id=\"7d53dc84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"416\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/OE-E.png\" class=\"attachment-large size-large wp-image-24514\" alt=\"2024-health-insurance-webinar\" srcset=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/OE-E.png 600w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/OE-E-480x333.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 600px, 100vw\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-356f561d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"356f561d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-3db4ae13\" data-id=\"3db4ae13\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e18d2de elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"e18d2de\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;pulse&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Register End<br>10\/26<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-775184f8\" data-id=\"775184f8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a29002b elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"7a29002b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;pulse&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Register End<br>11\/11<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-7e7cb4a1\" data-id=\"7e7cb4a1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79671088 elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"79671088\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;pulse&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/kcal.zoom.us\/webinar\/register\/WN_Hb__bxfgRySytAfJY6L1Ag\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Register for<br>11\/21<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-254c34d6\" data-id=\"254c34d6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a6ac7b elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"4a6ac7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;pulse&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/kcal.zoom.us\/webinar\/register\/WN_6LprpWyyRASGioroTibHtg\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Register for<br>12\/06<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-22966fe elementor-align-center elementor-mobile-align-center elementor-tablet-align-center elementor-widget elementor-widget-button\" data-id=\"22966fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-pulse-shrink\" href=\"https:\/\/kcal.f9fae71c9964135b.com\/ivrweb\/health\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-double-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Quote in 2 Minutes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-961f331 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"961f331\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1b86923\" data-id=\"1b86923\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45de74e6 elementor-widget elementor-widget-heading\" data-id=\"45de74e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a name=\"metal-benefit\">Basic Insurance Plan Benefits<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dba6a24 elementor-widget elementor-widget-accordion\" data-id=\"dba6a24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2301\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2301\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Bronze \u2b50\u2b50\u2b50\u2b50  \ud83e\ude99<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2301\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2301\"><b>This plan works better for people with good health conditions. The plan can provide coverage for emergency or serious disease. Insurance companies cover about 60% of the medical expense and insured pays the remaining 40%. The premium is considerably low.<\/b>\n<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-7706-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Bronze-60-1.mp3?_=1\" \/><a href=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Bronze-60-1.mp3\">https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Bronze-60-1.mp3<\/a><\/audio>\n<ul>\n \t<li>Free annual health check-up<\/li>\n \t<li data-uw-rm-sr=\"\">Primary care visit: $60*<\/li>\n \t<li data-uw-rm-sr=\"\">Specialist visit: $95*<\/li>\n \t<li data-uw-rm-sr=\"\">Laboratory tests: $40<\/li>\n \t<li data-uw-rm-sr=\"\">Outpatient surgery\/inpatient hospitalization: full cost until deductible is met, 40% of remaining cost after deductible is met.<\/li>\n \t<li data-uw-rm-sr=\"\">Individual annual out-of-pocket maximum: $9,100<\/li>\n \t<li data-uw-rm-sr=\"\"><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-\u6a19\u6e96\u798f\u5229_Page_4.png\" target=\"_blank\" rel=\"noopener\">Click here for more details about the Bronze plan\u00a0\u00a0<\/a><\/li>\n<\/ul>\n<span style=\"font-size: 11pt;\">(*Deductible does not apply to your first three non-preventive doctor visits (primary care visits, urgent care, specialist visits). You will only need to pay the copay. After three visits, future visits will be at full cost until the deductible is met.)<\/span><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2302\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2302\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Silver \u2b50\u2b50\u2b50\u2b50\u2b50  \ud83e\ude99\ud83e\ude99<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2302\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2302\"><p><strong><span class=\"jCAhz ChMk0b\"><span class=\"ryNqvb\">This plan is a balance of premium and benefits with affordable deductibles, outpatient fees and co-pays.<\/span><\/span> T<span class=\"jCAhz ChMk0b\"><span class=\"ryNqvb\">he insurance company will cover 70% of the medical expenses, and the insured pays the remaining 30%.<\/span><\/span><\/strong><\/p>\n<p><audio class=\"wp-audio-shortcode\" id=\"audio-7706-2\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Silver-70-1.mp3?_=2\" \/><a href=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Silver-70-1.mp3\">https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Silver-70-1.mp3<\/a><\/audio><\/p>\n<ul>\n<li>Free annual health check-up<\/li>\n<li data-uw-rm-sr=\"\">Primary care visit: $50<\/li>\n<li data-uw-rm-sr=\"\">Specialist visit: $95<\/li>\n<li data-uw-rm-sr=\"\">Laboratory tests: $50<\/li>\n<li>Inpatient hospitalization: 30% of remaining cost after deductible is met<\/li>\n<li>Outpatient surgery: 30% of total cost<\/li>\n<li data-uw-rm-sr=\"\">Individual annual out-of-pocket maximum: $9,100<\/li>\n<li style=\"font-size: 15px;\"><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-\u6a19\u6e96\u798f\u5229_Page_3.png\" data-uw-rm-brl=\"false\">Click here for more details about the Silver plan<\/a><\/li>\n<\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2303\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2303\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Gold \u2b50  \ud83e\ude99\ud83e\ude99\ud83e\ude99<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2303\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2303\"><p><strong>This plan works better for individuals and families who frequently need medical treatment. Insured has a lower out-of-pocket payment but the premium is higher. I<span class=\"jCAhz ChMk0b\"><span class=\"ryNqvb\">nsurance companies will cover 70%-75% of the medical expenses, and the insured pays the remaining 25%-30%<\/span><\/span>.<\/strong><\/p><p><audio class=\"wp-audio-shortcode\" id=\"audio-7706-3\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Gold-80-1.mp3?_=3\" \/><a href=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Gold-80-1.mp3\">https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Gold-80-1.mp3<\/a><\/audio><\/p><ul><li data-uw-rm-sr=\"\">Free annual health check-up<\/li><li data-uw-rm-sr=\"\">Primary care visit: $35<\/li><li data-uw-rm-sr=\"\">Specialist visit: $65<\/li><li data-uw-rm-sr=\"\">Laboratory tests: $40<\/li><li data-uw-rm-sr=\"\">Outpatient surgery: $130 per surgery (HMO) or 30% of total cost (PPO)<\/li><li data-uw-rm-sr=\"\">Inpatient hospitalization: $330 per day (HMO) or 30% of total cost (PPO)<\/li><li data-uw-rm-sr=\"\">Individual annual out-of-pocket maximum $8,700<\/li><li style=\"font-size: 15px;\"><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-\u6a19\u6e96\u798f\u5229_Page_2.png\" target=\"_blank\" rel=\"noopener\" data-uw-rm-brl=\"false\" aria-label=\"Click here for more details about the Gold plan - opens in new tab\" data-uw-rm-ext-link=\"\">Click here for more details about the Gold plan<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2304\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2304\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Platinum \u2b50\u2b50\u2b50\u2b50  \ud83e\ude99\ud83e\ude99<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2304\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2304\"><p><strong><span class=\"jCAhz ChMk0b\"><span class=\"ryNqvb\">With the lowest out-of-pocket payment cap, this plan is suitable for individuals and families who require frequent medical service and treatment. I<\/span><\/span><span class=\"jCAhz ChMk0b\"><span class=\"ryNqvb\">nsurance companies will cover 90% of medical expenses, and the insured pays the remaining 10%.<\/span><\/span><\/strong><\/p><p><audio class=\"wp-audio-shortcode\" id=\"audio-7706-4\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Platinum-90-1.mp3?_=4\" \/><a href=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Platinum-90-1.mp3\">https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Platinum-90-1.mp3<\/a><\/audio><\/p><ul><li>Free annual health check-up<\/li><li>Primary care visit: $15<\/li><li>Specialist visit: $30<\/li><li>Laboratory tests: $15<\/li><li>Outpatient surgery: $75 per surgery (HMO) or 10% of total cost (PPO)<\/li><li>Inpatient hospitalization: $225 per day (HMO) or 10% of total cost (PPO)<\/li><li>Individual annual out-of-pocket maximum: $4,500<\/li><li style=\"font-size: 15px;\"><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-\u6a19\u6e96\u798f\u5229_Page_1.png\">Click here for more details about the Platinum plan<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2305\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2305\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Bronze HDHP \u2b50\u2b50\u2b50  \ud83e\ude99<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2305\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2305\"><p>Affordable health insurance costs with comprehensive protection against serious illnesses. This plan works better for people with good health conditions.\u00a0<\/p><p><audio class=\"wp-audio-shortcode\" id=\"audio-7706-5\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Bronze-HSA-.mp3?_=5\" \/><a href=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Bronze-HSA-.mp3\">https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Bronze-HSA-.mp3<\/a><\/audio><\/p><ul><li>Free annual health check-up<\/li><li>Can be combine with HSA and save more taxes<\/li><li>Insurance will cover all necessary services after the annual out-of-pocket maximum is met<\/li><li>Individual annual out-of-pocket maximum: $7,050<\/li><li>Family annual out-of-pocket maximum: $14,100<\/li><li><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-\u6a19\u6e96\u798f\u5229_Page_6.png\" target=\"_blank\" rel=\"noopener\">Click here for more details about the Bronze HDHP plan\u00a0\u00a0<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2306\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2306\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Mininum Coverage (under 30)\u2b50\u2b50\u2b50\u2b50\u2b50  \ud83e\ude99<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2306\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2306\"><p><strong>A basic health insurance plan designed for individuals under the age of 30.<\/strong><\/p><p><audio class=\"wp-audio-shortcode\" id=\"audio-7706-6\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Minimum-Coverage-1.mp3?_=6\" \/><a href=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Minimum-Coverage-1.mp3\">https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Minimum-Coverage-1.mp3<\/a><\/audio><\/p><ul><li>Free annual health check-up<\/li><li>First three non-preventive visits are free, after the annual out-of-pocket maximum is met, the insurance will cover all necessary services<\/li><li data-uw-rm-sr=\"\">Individual annual out-of-pocket maximum: $9,450<\/li><li data-uw-rm-sr=\"\">Family annual out-of-pocket maximum: $18,900<\/li><li style=\"font-size: 15px;\"><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-\u6a19\u6e96\u798f\u5229_Page_5.png\" data-uw-rm-brl=\"false\">Click here for more details about the minimum coverage plan<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2f9179 elementor-align-center elementor-mobile-align-center elementor-tablet-align-center elementor-widget elementor-widget-button\" data-id=\"e2f9179\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-pulse-shrink\" href=\"https:\/\/kcal.f9fae71c9964135b.com\/ivrweb\/health\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-double-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Quote in 2 Minutes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3fbcb324 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3fbcb324\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-103bd6d9\" data-id=\"103bd6d9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b74cd69 elementor-widget elementor-widget-heading\" data-id=\"5b74cd69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Low Income Individual and Family Insurance Plan Benefits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ba389c0 elementor-widget elementor-widget-text-editor\" data-id=\"7ba389c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"jCAhz ChMk0b\"><span class=\"ryNqvb\">U.S. citizens or tax residents may qualify for government-subsidized health insurance.<\/span><\/span> Your<span class=\"jCAhz ChMk0b\"><span class=\"ryNqvb\"> premiums and subsidy amounts are related to the number of households on the tax return forms and the annual income. You can only enroll during a fixed three-month period each year. Therefore, having a professional, licensed and experienced insurance broker is essential to ensure the best benefits, the lowest<\/span><\/span> <span class=\"jCAhz ChMk0b\"><span class=\"ryNqvb\">Premiums, and the most accurate subsidies and tax credits for you.<\/span><\/span> <span class=\"jCAhz ChMk0b\"><span class=\"ryNqvb\">Families and individuals whose annual income is between 138% and 250% of the federal poverty line have the opportunity to receive affordable plans such as Silver 94, Silver 87, and Silver 73.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a727a86 elementor-widget elementor-widget-text-editor\" data-id=\"a727a86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table><thead><tr><th>\u00a0<\/th><th>Silver 94<\/th><th><span style=\"font-size: 15px; background-color: #ffffff;\">Silver\u00a0<\/span>87<\/th><th><span style=\"font-size: 15px; background-color: #ffffff;\">Silver\u00a0<\/span>73<\/th><th><span style=\"font-size: 15px; background-color: #ffffff;\">Silver\u00a0<\/span>70<\/th><\/tr><\/thead><tbody><tr><td>Primary care visit:<\/td><td>$5<\/td><td>$15<\/td><td>$35<\/td><td>$50<\/td><\/tr><tr><td>Specialist visit:<\/td><td>$8<\/td><td>$25<\/td><td>$85<\/td><td>$90<\/td><\/tr><tr><td>Laboratory tests:<\/td><td>$8<\/td><td>$20<\/td><td>$50<\/td><td>$50<\/td><\/tr><tr><td>Medical &amp; Pharmacy Deductible:<\/td><td>$0<\/td><td>$0<\/td><td>$0<\/td><td><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-%E6%A8%99%E6%BA%96%E7%A6%8F%E5%88%A9_Page_3.png\" target=\"_blank\" rel=\"noopener noreferrer\">Click here<\/a><\/td><\/tr><tr><td>Inpatient Hospitalization:<\/td><td>10% of total cost<\/td><td>20% of total cost<\/td><td>30% of total cost<\/td><td><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-%E6%A8%99%E6%BA%96%E7%A6%8F%E5%88%A9_Page_3.png\" target=\"_blank\" rel=\"noopener noreferrer\">Click here<\/a><\/td><\/tr><tr><td>Outpatient Surgery:<\/td><td>10% of total cost<\/td><td>20% of total cost<\/td><td>30% of total cost<\/td><td>30% of total cost<\/td><\/tr><tr><td>Individual Annual Out-of-pocket Maximum:<\/td><td>$1,150<\/td><td>$3,000<\/td><td>$6,100<\/td><td>$9,100<\/td><\/tr><tr><td>Detailed Coverage:<\/td><td><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-%E4%BD%8E%E6%94%B6%E5%85%A5%E7%A6%8F%E5%88%A9-0-Ded_Page_3.png\" target=\"_blank\" rel=\"noopener noreferrer\">Click here<\/a><\/td><td><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-%E4%BD%8E%E6%94%B6%E5%85%A5%E7%A6%8F%E5%88%A9-0-Ded_Page_2.png\" target=\"_blank\" rel=\"noopener noreferrer\">Click here<\/a><\/td><td><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-%E4%BD%8E%E6%94%B6%E5%85%A5%E7%A6%8F%E5%88%A9-0-Ded_Page_1.png\" target=\"_blank\" rel=\"noopener noreferrer\">Click here<\/a><\/td><td><a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2023\/10\/2024-%E6%A8%99%E6%BA%96%E7%A6%8F%E5%88%A9_Page_3.png\" target=\"_blank\" rel=\"noopener noreferrer\">Click here<\/a><\/td><\/tr><tr><td>Coverage Explanation:<\/td><td><a href=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Silver-94-1.mp3\" target=\"_blank\" rel=\"noopener\">Listen here<\/a><\/td><td><a href=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Silver-87-1.mp3\" target=\"_blank\" rel=\"noopener\">Listen here<\/a><\/td><td><a href=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Silver-73-1.mp3\" target=\"_blank\" rel=\"noopener\">Listen here<\/a><\/td><td><a href=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/11\/Silver-70-1.mp3\" target=\"_blank\" rel=\"noopener\">Listen here<\/a><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-48a3208 elementor-widget elementor-widget-image\" data-id=\"48a3208\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1280\" height=\"989\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2024\/03\/2024-FPL-Chart-01.jpg\" class=\"attachment-full size-full wp-image-24886\" alt=\"2024-Federal-poverty-level-FPL-chart-update\" srcset=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2024\/03\/2024-FPL-Chart-01.jpg 1280w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2024\/03\/2024-FPL-Chart-01-980x757.jpg 980w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2024\/03\/2024-FPL-Chart-01-480x371.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1280px, 100vw\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ec877c elementor-align-center elementor-mobile-align-center elementor-tablet-align-center elementor-widget elementor-widget-button\" data-id=\"8ec877c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-pulse-shrink\" href=\"https:\/\/kcal.f9fae71c9964135b.com\/ivrweb\/health\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-double-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Quote in 2 Minutes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-541a9de1 elementor-widget elementor-widget-image\" data-id=\"541a9de1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"150\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/Untitled-design-1.png\" class=\"attachment-full size-full wp-image-24501\" alt=\"\" srcset=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/Untitled-design-1.png 1280w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/Untitled-design-1-980x115.png 980w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2023\/10\/Untitled-design-1-480x56.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1280px, 100vw\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dac2fac elementor-widget elementor-widget-heading\" data-id=\"dac2fac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Health Insurance FAQs<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63b2fc3 elementor-widget elementor-widget-accordion\" data-id=\"63b2fc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1041\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1041\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is there a penalty if I don\u2019t purchase health insurance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1041\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1041\"><p>Yes, <strong>the penalty for each uninsured resident will be at least $850 per adult and $425 per dependent child under 18 in the household. A family of four that goes uninsured for the whole year would face a penalty of at least $2,550.<\/strong><\/p><p>If you apply for health insurance through Covered California, you will still have the opportunity to apply and qualify for subsidies.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1042\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1042\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">When can I apply for health insurance? What is the Open Enrollment Period?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1042\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1042\"><p>For 2024, Covered California&#8217;s Open Enrollment Period is from November 1, 2023 to January 31, 2024.\u00a0<\/p><p>Individuals could only enroll in health insurance or switch plans during the Open Enrollment Period, which was only a few months of the year. After the enrollment period was over, if they did not qualify for special enrollment, individuals would no longer be able to apply for health insurance or make adjustments to their plans.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1043\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1043\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How can I save on premiums?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1043\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1043\"><p data-uw-rm-sr=\"\">In 2024, many insurance companies reduced premiums, government subsidies have also increased significantly, and certain plans offer $0 premiums.<\/p><p>If you are currently using a PPO plan, you might want to consider switching to HMO to save more on premiums. Downgrading your plan is another way to save. If you have a Platinum plan and find it too expensive, you can consider downgrading to the Gold or Silver plans.<\/p><p>You can also open an IRA to reduce the taxable income so that when you apply for government subsidies you will have lower premiums and get better benefits.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1044\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1044\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">When is the earliest possible date for my insurance to be effective?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1044\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1044\"><p>For 2024, Covered California&#8217;s Open Enrollment Period is from November 1, 2023 to January 31, 2024.\u00a0<\/p><p>If you are looking for a new plan effective on January 1st, you need to complete the application before December 31st, 2023. If you are looking for a new plan effective on February 1st, you need to complete the application before January 31st, 2024.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1045\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1045\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is Special Enrollment Period?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1045\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1045\"><p>For 2024, Covered California&#8217;s Open Enrollment Period is from November 1, 2023 to January 31, 2024.\u00a0<\/p><p>If you miss this open enrollment period, you will not be able to purchase health insurance unless you qualify for special enrollment, in which you would have to apply for health insurance within 60 days of your qualifying life event which include:<\/p><p>1. A child is born, adopted or received into foster care; your child is placed into foster care or is up for adoption<\/p><p>2. Loss of employer-sponsored coverage, or your COBRA coverage is exhausted (Note: Not paying your COBRA premium is not considered loss of coverage)<\/p><p>3. Loss of Medi-Cal coverage<\/p><p>4. Moved to California from out of state or moved within California and gained access to at least one new Covered California health insurance plan<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1046\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1046\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I do not have a Social Security Number (SSN). How can I buy health insurance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1046\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1046\"><p>Because you do not have a SSN, you won\u2019t be able to purchase general health insurance used by United States citizens. Basic travel insurance also won\u2019t be able to cover pre-existing conditions such as diabetes, high blood pressure, pregnancy, and more. However, we recommend taking a look at our \u201cMYT\u201d health insurance. (<a href=\"https:\/\/www.kcal.net\/english\/our-blog\/immigrant-healthcare\/\">Click here for more information.<\/a>)<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1047\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1047\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How can I calculate federal subsidies?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1047\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1047\"><p>Covered California and the IRS are connected in the sense where Covered California uses the household income and household size on the 1040 tax form to calculate health insurance premiums and check for eligible federal subsidies for the applicant. If you are a resident with a taxable income (citizen, green card holder, working visa holder, etc.), and your family income meets the requirement, you may qualify for subsidies and medical costs.\u00a0\u00a0<\/p><p>Based on your annual household income, you may qualify for federal subsidies in the form of Medi-Cal, premium assistance, or cost-sharing reductions. <a href=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2024\/03\/2024-FPL-Chart-01.jpg\">To determine whether you qualify for premium assistance, please refer to this chart<\/a>.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1048\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1048\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I'm not sure what my income is for next year and I can't provide proof of income. How can I get subsidies for my insurance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1048\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1048\"><p>To find your adjusted gross income, take a look at Line 2A, 6A and 11 on Form 1040.<\/p><p>If you have your paycheck statement, rental income, interest income, or income from the EDD, you can use it as proof of income. If you do not have any valid documents, you can ask your accountant or employer to provide you with a signed proof of income statement.<\/p><p>If you have non-taxable social security benefit, income living abroad or non-exempt interest, you should include these as income to calculate the accurate MAGI amount.<\/p><p>*Please consult your CPA for further tax questions.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1049\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1049\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I cancel Medi-Cal coverage and purchase health insurance on my own?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1049\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1049\"><p>If you want to enroll for health insurance with subsidies during open enrollment, you cannot cancel your Medi-Cal coverage.<\/p><p>If you do not need subsidies, you can cancel your Medi-Cal coverage and purchase health insurance without subsidies during open enrollment.<\/p><p>You will need to provide proof of income to the county office where you reside to cancel your Medi-Cal coverage before you can apply for general health insurance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-10410\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-10410\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What impact does the American Rescue Plan Act of 2021 have on the health insurance market?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-10410\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-10410\"><p>After President Biden signed the American Rescue Plan, California&#8217;s health insurance market will face three major changes. First, those who received extra premium subsidies due to a lower reported income will not need to return it when filing taxes for 2020 if their actual reported income is higher. Secondly, those insured with Covered California will automatically have their premiums recalculated and receive more premium assistance. Lastly, middle-to-high-income individuals who were not eligible to apply for premium subsidies in the past may now become eligible to apply for premium subsidies.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-10411\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-10411\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">The premiums for PPO plans are expensive. What other options do I have? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-10411\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-10411\"><p>PPO premiums continue to increase as it has done so in the past few years. If your health is in good condition and you do not expect to go to the doctor\u2019s often, then you can consider switching to an HMO or EPO plan.<\/p><p>You can also open an IRA to reduce the taxable income so that when you apply for government subsidies you will have lower premiums and get better benefits.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-10412\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-10412\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What should I do if my doctor isn't in my medical network and doesn't accept my insurance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-10412\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-10412\"><p>If your doctor is not contracted with your current insurance company, then you can switch to an insurance company that your doctor is in contract with.<\/p><p>If your primary care physician only accepts group health insurance and you are self-employed, or a 1099 employer, feel free to contact KCAL to see what your options are.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-10413\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-10413\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How should I decide which insurance company to choose for plans at the same tier?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-10413\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-10413\"><p>Since the benefits would be the same, one way to help you choose the right insurance company is based on the quality of service and the size of the medical network.<\/p>\n<p>If you want to be able to see a doctor easily and don\u2019t want to delay treatment due to conflicts with your medical network, then Kaiser Permanente would be the best option. Its comprehensive medical system and latest medical equipment make it easy to see a doctor.&nbsp;<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-10414\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-10414\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I purchase health insurance from Covered California with subsidies instead of enrolling in the company-provided health insurance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-10414\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-10414\"><p>If the company you work at offers you and your family group health insurance, you won\u2019t be able to purchase insurance with government subsidies for you and your family. As long as the company-provided health insurance is considered affordable and meets certain standards, then you won\u2019t qualify for subsidies.<\/p><p>If you and your family are applying for subsidies when your company offers group health insurance to you and your family, then your subsidies will be returned to the government.<\/p><p>However, <a href=\"https:\/\/www.healthcare.gov\/have-job-based-coverage\/change-to-marketplace-plan\/\" data-uw-rm-brl=\"false\" data-wplink-edit=\"true\" target=\"_blank\" rel=\"noopener\">if the out-of-pocket amount you have to pay for the employer-sponsored plan\u2019s premium<\/a> (not including the premium your family pays) <a href=\"https:\/\/www.healthcare.gov\/have-job-based-coverage\/change-to-marketplace-plan\/\" data-uw-rm-brl=\"false\" data-wplink-edit=\"true\" target=\"_blank\" rel=\"noopener\">is 9.61% higher than your annual household income<\/a>, then you and your family can apply for government subsidies for health insurance after submitting necessary documentation.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-351e5590 elementor-widget elementor-widget-text-editor\" data-id=\"351e5590\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-uw-styling-context=\"true\"><strong data-uw-styling-context=\"true\">\u201cCOVERED CALIFORNIA,\u201d \u201cCALIFORNIA HEALTH BENEFIT EXCHANGE\u201d, AND THE COVERED CALIFORNIA LOGO ARE REGISTERED TRADEMARKS OR SERVICE MARKS OF COVERED CALIFORNIA, IN THE UNITED STATES.<\/strong><\/p><p data-uw-styling-context=\"true\">This website is owned and maintained by KCAL Insurance Agency, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone number that appears throughout this site belong to KCAL Insurance Agency and cannot be used to contact Covered California.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Are you enrolled in health insurance for 2024? Looking to make adjustments to your plan? Learn more about benefits and plans at KCAL Insurnace 888-551-5889<\/p>\n","protected":false},"author":1,"featured_media":22879,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[],"tags":[83,88],"class_list":["post-7706","page","type-page","status-publish","has-post-thumbnail","hentry","tag-covered-california","tag-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Apply for Health Insurance Now During 2024 Open Enrollment!<\/title>\n<meta name=\"description\" content=\"Are you enrolled in health insurance for 2024? Looking to make adjustments to your plan? 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