Marina Del Rey Insurance Services

(424) 272-5074‬

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  • MEDICARE
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    • HEALTH-INSURANCE
    • INSURANCE SANTA MONICA
  • LIVING BENEFITS
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  • KEY PERSON PROTECTION
  • FIXED INDEXED ANNUITIES
  • IFP
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  • More
    • HOME
    • ABOUT US
    • OUR MISSION
    • MEDICARE
    • Health-Insurance
      • HEALTH-INSURANCE
      • INSURANCE SANTA MONICA
    • LIVING BENEFITS
    • TAX-FREE RETIREMENT
    • KEY PERSON PROTECTION
    • FIXED INDEXED ANNUITIES
    • IFP
    • GROUP INSURANCE
    • COVERED CALIFORNIA
    • DENTAL & VISION
    • FINAL EXPENSE COVERAGE
    • OUR YouTube CHANNEL
    • CONTACT US
    • BLOG
Marina Del Rey Insurance Services

(424) 272-5074‬

  • HOME
  • ABOUT US
  • OUR MISSION
  • MEDICARE
  • Health-Insurance
  • LIVING BENEFITS
  • TAX-FREE RETIREMENT
  • KEY PERSON PROTECTION
  • FIXED INDEXED ANNUITIES
  • IFP
  • GROUP INSURANCE
  • COVERED CALIFORNIA
  • DENTAL & VISION
  • FINAL EXPENSE COVERAGE
  • OUR YouTube CHANNEL
  • CONTACT US
  • BLOG

INDIVIDUAL FAMILY PLANS (IFP) CALIFORNIA

Individual Family Plans covers Health Insurance for Individuals & Families

  • Individual Health Insurance Plans offer coverage to single, self-employed people, people between jobs, unemployed people, students, and retirees who aren't yet eligible for Medicare Health Insurance benefits.
  • Family Health Insurance Plans cover two or more family members, on one Health Insurance Plan. 
  • A Health Insurance Plan's deductible and out-of-pocket maximum are based on whether you have an Individual or Family Plan. 
  • For an Individual Plan, you will be responsible to reach one amount to cover the deductible, and one additional amount to cover the max-out-of-pocket.
  • The deductible and out-of-pocket maximum for a Family Plan is usually double that of a comparable Individual Plan. 
  • However, once the financial responsibility is met, meaning the deductible and max-out-of-pocket, on the Family Plan, and let's say there are 3 or more family members covered on this plan, there is no additional added-on deductible, or max-out-of-pocket to meet for the additional family member(s) for that year.
  • This way, it is more cost-effective for the whole family to be on a one-and-the-same Health Insurance Plan.


  • Benefits covered on the Individual Plans are the same as are covered on the Family Plans. 


  • Prescription Drug Coverage is included in both Individual and Family Plans.
  • Deductibles may apply depending on which metal level of coverage you choose.


  • Children are covered for Dental & Vision, included in their coverage, up until the age of 19.


  • Adults would need to buy separate coverage for Dental and Vision.

 

  • We Provide Qualified Guidance at No Cost to Our Clients

CLICK HERE TO CONTACT OUR FRIENDLY EXPERTS FOR NO-COST NO-OBLIGATION CONSULTATION AND YEAR-ROUND SUPPORT

NEW CALIFORNIA STATE LAW AS OF JANUARY 1, 2020

EFFECTIVE JANUARY 1, 2020, ALL CALIFORNIA RESIDENTS ARE REQUIRED TO EITHER:

  • Obtain and keep qualifying health insurance coverage
  • Or request and prove exemption from the requirement to have coverage
  • Or be required by law to pay a penalty when filing their state tax return

WHAT IS REQUIRED TO AVOID A PENALTY?

Beginning on January 1, 2020, to avoid a penalty, you must have qualifying health coverage for each month of the year for:

  • Yourself
  • Your spouse or domestic partner
  • Your dependents


Many people may already have qualifying health insurance coverage, for example through:

  • Employer-sponsored plans
  • Coverage purchased through Covered California or directly from insurers
  • Medicare
  • Most Medicaid plans

INDIVIDUAL SHARED RESPONSIBILITY PENALTY ESTIMATOR CALCULATOR

The State of California Franchise Tax Board created a Penalty Estimator Calculator, which is a tool for you to estimate the penalty you may owe if you do not have health care coverage. To get an accurate penalty amount you may click the button below here:

CLICK HERE TO estimate the penalty you may owe if you do not have QUALIFIED health care coverage

WE ARE YOUR LOCAL TRUSTED INSURANCE SPECIALISTS

CLICK HERE TO CONTACT OUR FRIENDLY EXPERTS FOR NO-COST NO-OBLIGATION CONSULTATION AND YEAR-ROUND SUPPORT

Connect With Us

Copyright © 2022 MARINA DEL REY INSURANCE SERVICES - All Rights Reserved.

  • HOME
  • ABOUT US
  • OUR MISSION
  • MEDICARE
  • HEALTH-INSURANCE
  • INSURANCE SANTA MONICA
  • LIVING BENEFITS
  • TAX-FREE RETIREMENT
  • KEY PERSON PROTECTION
  • FIXED INDEXED ANNUITIES
  • IFP
  • GROUP INSURANCE
  • COVERED CALIFORNIA
  • DENTAL & VISION
  • FINAL EXPENSE COVERAGE
  • OUR YouTube CHANNEL
  • CONTACT US
  • BLOG

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