Covered California's Enrollment Deadline Now Extended to Feb. 9
Layoffs: From Unemployment Benefits to Health Insurance, the Steps to Take ASAP
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Covered California Deadline for 2021 Health Insurance Extended
Covered California Opens Special Enrollment Period in Response to Coronavirus Crisis
Middle-Class Californians: Here’s What’s in Gov. Newsom’s Budget for You
Newsom's First Act as Governor? Expanding Health Coverage
Covered California Extends Deadline After Anti-Obamacare Federal Court Ruling
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She lives in San Francisco with her two sons and husband.\u003c/span>","avatar":"https://secure.gravatar.com/avatar/a261a0d3696fc066871ef96b85b5e7d2?s=600&d=blank&r=g","twitter":"@mlagos","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"news","roles":["editor"]},{"site":"science","roles":["editor"]},{"site":"forum","roles":["author"]}],"headData":{"title":"Marisa Lagos | KQED","description":"KQED Contributor","ogImgSrc":"https://secure.gravatar.com/avatar/a261a0d3696fc066871ef96b85b5e7d2?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/a261a0d3696fc066871ef96b85b5e7d2?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/mlagos"},"carlysevern":{"type":"authors","id":"3243","meta":{"index":"authors_1591205172","id":"3243","found":true},"name":"Carly Severn","firstName":"Carly","lastName":"Severn","slug":"carlysevern","email":"csevern@kqed.org","display_author_email":false,"staff_mastheads":["news"],"title":"Senior Editor, Audience News ","bio":"Carly is KQED's Senior Editor of Audience News on the Digital News team, and has reported for the California Report Magazine, Bay Curious and KQED Arts. She's formerly the host of \u003ca href=\"http://ww2.kqed.org/pop/category/the-cooler/\" rel=\"noopener noreferrer\">The Cooler\u003c/a> podcast.","avatar":"https://secure.gravatar.com/avatar/2d8d6765f186e64c798cf7f0c8088a41?s=600&d=blank&r=g","twitter":"teacupinthebay","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"","roles":["editor"]},{"site":"arts","roles":["editor"]},{"site":"news","roles":["administrator"]},{"site":"pop","roles":["editor"]},{"site":"futureofyou","roles":["editor"]},{"site":"about","roles":["administrator"]},{"site":"mindshift","roles":["editor"]},{"site":"bayareabites","roles":["editor"]},{"site":"stateofhealth","roles":["editor"]},{"site":"science","roles":["editor"]},{"site":"food","roles":["contributor"]},{"site":"forum","roles":["editor"]},{"site":"perspectives","roles":["administrator"]}],"headData":{"title":"Carly Severn | KQED","description":"Senior Editor, Audience News ","ogImgSrc":"https://secure.gravatar.com/avatar/2d8d6765f186e64c798cf7f0c8088a41?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/2d8d6765f186e64c798cf7f0c8088a41?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/carlysevern"},"rlevi":{"type":"authors","id":"11260","meta":{"index":"authors_1591205172","id":"11260","found":true},"name":"Ryan Levi","firstName":"Ryan","lastName":"Levi","slug":"rlevi","email":"rlevi@KQED.org","display_author_email":false,"staff_mastheads":[],"title":"KQED Contributor","bio":"Ryan Levi was a reporter and podcast producer at KQED News from 2016-2019. He worked on \u003ca href=\"https://www.kqed.org/news/series/baycurious\">Bay Curious\u003c/a>, \u003ca href=\"https://www.kqed.org/news/tag/the-bay/\">The Bay, \u003c/a>and \u003ca href=\"https://podcasts.apple.com/us/podcast/the-california-report-magazine/id1314750545\">The California Report Magazine\u003c/a>, as well as hosting and producing the weekly \u003ca href=\"https://www.kqed.org/news/program/qedup/\">Q'ed Up podcast. \u003c/a>He also helped inaugurate KQED's weekend news coverage in 2017 as one of two original digital producers. Ryan holds degrees in multimedia journalism and Spanish from the University of Missouri.","avatar":"https://secure.gravatar.com/avatar/4cb2ddd028ac8807d1adf09609c5555d?s=600&d=blank&r=g","twitter":"ryan_levi","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"arts","roles":["editor"]},{"site":"news","roles":["subscriber"]},{"site":"stateofhealth","roles":["editor"]},{"site":"science","roles":["editor"]},{"site":"forum","roles":["administrator"]},{"site":"perspectives","roles":["administrator"]},{"site":"breakingnews","roles":["editor"]}],"headData":{"title":"Ryan Levi | KQED","description":"KQED Contributor","ogImgSrc":"https://secure.gravatar.com/avatar/4cb2ddd028ac8807d1adf09609c5555d?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/4cb2ddd028ac8807d1adf09609c5555d?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/rlevi"},"ccabreralomeli":{"type":"authors","id":"11708","meta":{"index":"authors_1591205172","id":"11708","found":true},"name":"Carlos Cabrera-Lomelí","firstName":"Carlos","lastName":"Cabrera-Lomelí","slug":"ccabreralomeli","email":"ccabreralomeli@KQED.org","display_author_email":true,"staff_mastheads":["news"],"title":"Community Reporter","bio":"Carlos Cabrera-Lomelí is a community reporter with KQED's digital engagement team. He also reports and co-produces for KQED's bilingual news hub KQED en Español. He grew up in San Francisco's Mission District and has previously worked with Univision, 48 Hills and REFORMA in Mexico City.","avatar":"https://secure.gravatar.com/avatar/e95ff80bb2eaf18a8f2af4dcf7ffb54b?s=600&d=blank&r=g","twitter":"@LomeliCabrera","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"arts","roles":["editor"]},{"site":"news","roles":["editor"]},{"site":"about","roles":["editor"]},{"site":"science","roles":["editor"]},{"site":"perspectives","roles":["editor"]},{"site":"elections","roles":["editor"]}],"headData":{"title":"Carlos Cabrera-Lomelí | KQED","description":"Community 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FM","link":"/"}},"news_11974310":{"type":"posts","id":"news_11974310","meta":{"index":"posts_1591205157","site":"news","id":"11974310","score":null,"sort":[1706742489000]},"guestAuthors":[],"slug":"covered-californias-enrollment-deadline-now-extended-to-feb-9","title":"Covered California's Enrollment Deadline Now Extended to Feb. 9","publishDate":1706742489,"format":"standard","headTitle":"Covered California’s Enrollment Deadline Now Extended to Feb. 9 | KQED","labelTerm":{"site":"news"},"content":"\u003cp>The deadline to enroll in a health care plan through Covered California — \u003ca href=\"https://www.coveredca.com/\">the state’s health insurance marketplace that offers hundreds of low-cost coverage plans\u003c/a> — has been extended until Friday, Feb. 9.\u003c/p>\n\u003cp>Previously, the deadline to sign up for a plan was Wednesday, Jan. 31.\u003c/p>\n\u003cp>[pullquote align=\"right\" size=\"medium\" citation=\"Jessica Altman, executive director, Covered California\"]‘We want any Californian who needs health insurance to have the opportunity to get covered for the rest of 2024, and extending the open-enrollment period will ensure they have the time they need.’[/pullquote]State officials made the announcement \u003ca href=\"https://www.coveredca.com/newsroom/news-releases/2024/01/31/\">through a press release on Wednesday\u003c/a>, explaining that Covered California’s service center was recently taken offline in response to a cybersecurity incident that affected the third-party vendor that supports its phone lines. Many residents who tried to sign up for a health care plan by calling the service center experienced long wait times, the release said, which also noted that “at this time,” there was no indication that any members’ personal information was compromised.\u003c/p>\n\u003cp>“We want any Californian who needs health insurance to have the opportunity to get covered for the rest of 2024, and extending the open-enrollment period will ensure they have the time they need,” Covered California Executive Director Jessica Altman said.\u003c/p>\n\u003ch2>Ways to sign up\u003c/h2>\n\u003cp>Consumers have several ways to find a health care plan — not just over the phone. One option is visiting Covered California’s website at \u003ca href=\"https://www.coveredca.com/\">coveredca.com\u003c/a>.\u003c/p>\n\u003cp>If your job doesn’t provide health insurance and you don’t qualify for Medi-Cal, you may be eligible for a Covered California plan. Thanks to a mix of federal and state subsidies, many plans offer monthly premiums under $30.\u003c/p>\n\u003cp>If you are undocumented, you can also look for an insurance plan through Covered California — but you’ll have to meet the income requirements for Medi-Cal.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>California is one of two states \u003ca href=\"https://www.coveredca.com/learning-center/tax-penalty-details-and-exemptions/penalty/\">that requires residents to pay a penalty if uninsured\u003c/a>. The penalty for not having coverage the entire year would be at least $900 per adult when you file taxes this year. If you have a child under 18 that is dependent on you, that’s an additional $450 per kid.\u003c/p>\n\u003ch2>An increase in enrollment\u003c/h2>\n\u003cp>More than 243,000 people have already signed up this enrollment period, state officials said — \u003ca href=\"https://www.coveredca.com/newsroom/news-releases/2024/01/25/end-of-oe/\">a 13% increase from last year\u003c/a>. California already boasts one of the lowest uninsured rates in the country, with only 6.2% of non-elderly Californians lacking health insurance, \u003ca href=\"https://www.chcf.org/publication/california-achieves-lowest-uninsured-rate-ever-2022/\">according to a 2023 report from the California Health Care Foundation\u003c/a>. When the state launched its insurance marketplace in 2013, \u003ca href=\"https://calbudgetcenter.org/resources/continuing-the-path-towards-universal-health-coverage-in-california/#:~:text=The%20percentage%20of%20Californians%20without,uninsured%20rate%20was%20over%2017%25.\">the uninsured rate was around 17%\u003c/a>.\u003c/p>\n\u003cp>[aside label=\"Related Stories\" postID=\"news_11949192,news_11956545,news_11961980\"]The nation’s top health official, United States Health and Human Services Secretary Xavier Becerra, visited San Francisco on Tuesday to mark these new figures, and offered uninsured Californians a last push of encouragement to apply to Covered California (before the deadline extension was then announced on Wednesday).\u003c/p>\n\u003cp>“My mother would always say, \u003cem>mejor prevenir que remediar\u003c/em> — better to prevent than to remediate an illness,” Becerra said. “Health care insurance helps you prevent your children from becoming ill. If you don’t have insurance, you wait till they’re so ill they have to go to the hospital.”\u003c/p>\n\u003cp>At the national level, 21.3 million people nationwide enrolled in a health care plan this year through the Affordable Care Act (ACA) marketplaces. Many are receiving subsidies for their plans owing to the Inflation Reduction Act that Congress passed in 2022, and Becerra said he hoped Congress would vote to keep those subsidies in place.\u003c/p>\n\u003cp>Despite multiple attempts by Congressional Republicans each year to repeal ACA — also known as Obamacare — marketplaces have only grown since the health care law passed in 2010. “There was talk that when the Affordable Care Act launched, insurers would not buy in because it wouldn’t be a profitable enterprise for them,” Becerra said.\u003c/p>\n\u003cp>“Well, they’re in. Now what’s happening is they’re offering a panoply of plans; it’s tough to figure out which one is good for you,” he added.\u003c/p>\n\u003cp>“So we’re going to move more towards requiring the plans [to] provide some standardization, so people can make some good guesses about what might be good for them,” Becerra said.\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"The deadline for Covered California health care enrollment was extended to give Californians 'the time they need,' Covered California Executive Director Jessica Altman said.","status":"publish","parent":0,"modified":1706742489,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":17,"wordCount":764},"headData":{"title":"Covered California's Enrollment Deadline Now Extended to Feb. 9 | KQED","description":"The deadline for Covered California health care enrollment was extended to give Californians 'the time they need,' Covered California Executive Director Jessica Altman said.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Covered California's Enrollment Deadline Now Extended to Feb. 9","datePublished":"2024-01-31T23:08:09.000Z","dateModified":"2024-01-31T23:08:09.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"sticky":false,"excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11974310/covered-californias-enrollment-deadline-now-extended-to-feb-9","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>The deadline to enroll in a health care plan through Covered California — \u003ca href=\"https://www.coveredca.com/\">the state’s health insurance marketplace that offers hundreds of low-cost coverage plans\u003c/a> — has been extended until Friday, Feb. 9.\u003c/p>\n\u003cp>Previously, the deadline to sign up for a plan was Wednesday, Jan. 31.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘We want any Californian who needs health insurance to have the opportunity to get covered for the rest of 2024, and extending the open-enrollment period will ensure they have the time they need.’","name":"pullquote","attributes":{"named":{"align":"right","size":"medium","citation":"Jessica Altman, executive director, Covered California","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>State officials made the announcement \u003ca href=\"https://www.coveredca.com/newsroom/news-releases/2024/01/31/\">through a press release on Wednesday\u003c/a>, explaining that Covered California’s service center was recently taken offline in response to a cybersecurity incident that affected the third-party vendor that supports its phone lines. Many residents who tried to sign up for a health care plan by calling the service center experienced long wait times, the release said, which also noted that “at this time,” there was no indication that any members’ personal information was compromised.\u003c/p>\n\u003cp>“We want any Californian who needs health insurance to have the opportunity to get covered for the rest of 2024, and extending the open-enrollment period will ensure they have the time they need,” Covered California Executive Director Jessica Altman said.\u003c/p>\n\u003ch2>Ways to sign up\u003c/h2>\n\u003cp>Consumers have several ways to find a health care plan — not just over the phone. One option is visiting Covered California’s website at \u003ca href=\"https://www.coveredca.com/\">coveredca.com\u003c/a>.\u003c/p>\n\u003cp>If your job doesn’t provide health insurance and you don’t qualify for Medi-Cal, you may be eligible for a Covered California plan. Thanks to a mix of federal and state subsidies, many plans offer monthly premiums under $30.\u003c/p>\n\u003cp>If you are undocumented, you can also look for an insurance plan through Covered California — but you’ll have to meet the income requirements for Medi-Cal.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>California is one of two states \u003ca href=\"https://www.coveredca.com/learning-center/tax-penalty-details-and-exemptions/penalty/\">that requires residents to pay a penalty if uninsured\u003c/a>. The penalty for not having coverage the entire year would be at least $900 per adult when you file taxes this year. If you have a child under 18 that is dependent on you, that’s an additional $450 per kid.\u003c/p>\n\u003ch2>An increase in enrollment\u003c/h2>\n\u003cp>More than 243,000 people have already signed up this enrollment period, state officials said — \u003ca href=\"https://www.coveredca.com/newsroom/news-releases/2024/01/25/end-of-oe/\">a 13% increase from last year\u003c/a>. California already boasts one of the lowest uninsured rates in the country, with only 6.2% of non-elderly Californians lacking health insurance, \u003ca href=\"https://www.chcf.org/publication/california-achieves-lowest-uninsured-rate-ever-2022/\">according to a 2023 report from the California Health Care Foundation\u003c/a>. When the state launched its insurance marketplace in 2013, \u003ca href=\"https://calbudgetcenter.org/resources/continuing-the-path-towards-universal-health-coverage-in-california/#:~:text=The%20percentage%20of%20Californians%20without,uninsured%20rate%20was%20over%2017%25.\">the uninsured rate was around 17%\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Related Stories ","postid":"news_11949192,news_11956545,news_11961980"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>The nation’s top health official, United States Health and Human Services Secretary Xavier Becerra, visited San Francisco on Tuesday to mark these new figures, and offered uninsured Californians a last push of encouragement to apply to Covered California (before the deadline extension was then announced on Wednesday).\u003c/p>\n\u003cp>“My mother would always say, \u003cem>mejor prevenir que remediar\u003c/em> — better to prevent than to remediate an illness,” Becerra said. “Health care insurance helps you prevent your children from becoming ill. If you don’t have insurance, you wait till they’re so ill they have to go to the hospital.”\u003c/p>\n\u003cp>At the national level, 21.3 million people nationwide enrolled in a health care plan this year through the Affordable Care Act (ACA) marketplaces. Many are receiving subsidies for their plans owing to the Inflation Reduction Act that Congress passed in 2022, and Becerra said he hoped Congress would vote to keep those subsidies in place.\u003c/p>\n\u003cp>Despite multiple attempts by Congressional Republicans each year to repeal ACA — also known as Obamacare — marketplaces have only grown since the health care law passed in 2010. “There was talk that when the Affordable Care Act launched, insurers would not buy in because it wouldn’t be a profitable enterprise for them,” Becerra said.\u003c/p>\n\u003cp>“Well, they’re in. Now what’s happening is they’re offering a panoply of plans; it’s tough to figure out which one is good for you,” he added.\u003c/p>\n\u003cp>“So we’re going to move more towards requiring the plans [to] provide some standardization, so people can make some good guesses about what might be good for them,” Becerra said.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11974310/covered-californias-enrollment-deadline-now-extended-to-feb-9","authors":["11708"],"categories":["news_457","news_8"],"tags":["news_5164","news_27626","news_683","news_1054"],"featImg":"news_11974380","label":"news"},"news_11949192":{"type":"posts","id":"news_11949192","meta":{"index":"posts_1591205157","site":"news","id":"11949192","score":null,"sort":[1705007435000]},"guestAuthors":[],"slug":"layoffs-unemployment-benefits-health-insurance-calfresh","title":"Layoffs: From Unemployment Benefits to Health Insurance, the Steps to Take ASAP","publishDate":1705007435,"format":"standard","headTitle":"Layoffs: From Unemployment Benefits to Health Insurance, the Steps to Take ASAP | KQED","labelTerm":{"site":"news"},"content":"\u003cp>\u003cem>This guide is part of the KQED News series \u003cstrong>\u003ca href=\"https://www.kqed.org/news/tag/what-to-do-after-a-layoff\">What to Do After a Layoff.\u003c/a>\u003c/strong>\u003c/em>\u003c/p>\n\u003cp>Knowing what to do when you get laid off can feel like a daunting prospect — especially if losing your job came as a total shock.\u003c/p>\n\u003cp>We’ve compiled a list of the initial steps to take after a layoff, to ensure you’re in as secure a place as possible. Jump straight to:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#unemploymentbenefits\">Applying for unemployment benefits\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#healthinsurance\">Keeping your health insurance\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#otherbenefits\">Other benefits you might not know you’re eligible for\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>… Or keep reading. As with the instructions for assembling furniture, you might find it helpful to read all this advice start to finish before you embark on these applications — to be prepared for any bumps you might encounter.\u003c/p>\n\u003ch2>Three tips to making applying for benefits after a layoff easier\u003c/h2>\n\u003cp>\u003cb>Your local government may have staff to help you do this\u003c/b>\u003c/p>\n\u003cp>Many cities and counties have their own offices, staff or programs specifically designed for people in your situation right now — which often have physical offices you can visit, or hotlines to call to ask a person your questions. These kinds of local resources can be particularly helpful in navigating the various benefits you could be entitled to, and aiding in the application processes.\u003c/p>\n\u003cp>Some offices, like the Department of Benefits and Family Support within \u003ca href=\"https://www.sfhsa.org/\">San Francisco’s Human Services Agency (SFHSA)\u003c/a>, can take your information in one central application and apply for those benefits on your behalf.\u003c/p>\n\u003cp>Having the help of a city staffer trained in these applications could save you a lot of time and stress, says Bart Ellison, program manager at SFHSA’s Workforce Development Division — not just because the process is streamlined, but because you’ll be able to ask these folks questions either in person or over the phone. It’s their job to help you — let them do it.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#tellus\">Tell us: What else do you need information about right now?\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>Your city or county may also have a program to help you find new employment, like \u003ca href=\"https://www.sfhsa.org/services/jobs/jobsnow\">SFHSA’s free JobsNOW! program\u003c/a>, which is open to San Francisco job seekers based on their income level, and matches job hunters with roles.\u003c/p>\n\u003cp>\u003ca href=\"https://www.cdss.ca.gov/county-offices\">Find your local social services office in this statewide list.\u003c/a>\u003c/p>\n\u003cp>\u003cb>Don’t feel weird about claiming the benefits you’re owed\u003c/b>\u003c/p>\n\u003cp>When it comes to claiming benefits after a layoff, Ellison wants to remind you that “we all pay for this through our taxes.”\u003c/p>\n\u003cp>“It’s great that if you don’t need it, it’s there. If you do need it, it’s there, and it should be accessed,” Ellison said. “There’s no shame in any of that.”\u003c/p>\n\u003cp>[aside postID=\"news_11957790,news_11970001,news_11967946,news_11968709\" label=\"COVID Resources and Explainers\"]A lot of people also just don’t know about the benefits they could be eligible for, says Ellison, or assume they won’t qualify.\u003c/p>\n\u003cp>He also says that some of the eligible job seekers he and his team work with in San Francisco might fear coming forward to apply if a member of their family is undocumented, because they think it will cause them problems. “We don’t get involved in any of that,” said Ellison. “They should never fear that situation.”\u003c/p>\n\u003cp>\u003cb>Try to be patient with how long the application process could take\u003c/b>\u003c/p>\n\u003cp>Ellison says he and his team “try not to ask a client for documents that we know we already have in the system” — but concedes that sometimes, this process will feel like providing endless documentation. The benefits you’re applying for can be a mix of federal and state funds, so unfortunately “it’s not just as simple as coming in and saying, ‘Hi, I’m Bart, could you sign me up?,’” said Ellison.\u003c/p>\n\u003cp>The more you can follow through with any documentation requests, hopefully the faster and smoother your application process will go. “And if you need more time or need help gathering stuff, that is what the eligibility staff are there for,” said Ellison. “They are there to \u003ci>help \u003c/i>you find some of these things. So you just need to kind of be your own advocate, and speak up.”\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Read more layoff advice in our \u003ca href=\"https://www.kqed.org/news/tag/what-to-do-after-a-layoff\">What to Do After a Layoff \u003c/a>series\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"unemploymentbenefits\">\u003c/a>Step 1: Apply for unemployment benefits\u003c/h2>\n\u003cp>If you’ve been laid off, \u003ca href=\"https://edd.ca.gov/en/unemployment/apply/\">apply for unemployment insurance\u003c/a> (UI, also known just as “unemployment”) from the California Employment Development Department (EDD) as soon as you can. Not only could it take at least three weeks to receive any benefits payments from a successful claim, but your claim begins when you first apply for it — not the day you lose your job. So time is of the essence.\u003c/p>\n\u003cp>\u003cb>Who can claim unemployment benefits?\u003c/b>\u003c/p>\n\u003cp>If you’re reading this and you \u003ci>chose\u003c/i> to leave your job, you usually aren’t eligible to claim unemployment. The exception to this is if you quit your job for what EDD calls “good cause,” which can include unsafe working conditions or a doctor’s advice. Whether or not you’re eligible to still claim UI in this situation will be determined by a phone interview with an EDD representative.\u003c/p>\n\u003cp>When applying for UI, you’ll have to show EDD that you have earned enough wages during the base period of 12 months, are totally or partially unemployed, are “unemployed through no fault of your own,” are physically able to work, are available for work and are ready and willing to accept work immediately.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>EDD will also ask you to show that you are “in satisfactory immigration status and authorized to work in the United States” not only now, but when you were earning the wages you’re using to establish your claim. EDD also warns that it will verify your immigration status and work authorization through the Department of Homeland Security.\u003c/p>\n\u003cp>You can \u003ca href=\"https://edd.ca.gov/en/unemployment/UI-Calculator/\">calculate the amount of unemployment benefits you can receive using this tool\u003c/a>. Remember that the amount of unemployment you’ll receive is based on your wages over the last 18 months, calculated by EDD from a base period of 12 months within that time — and if you didn’t earn any wages during that period, you won’t qualify for unemployment benefits.\u003c/p>\n\u003cp>\u003ca href=\"https://edd.ca.gov/en/unemployment/FAQ_-_Eligibility/\">See the EDD’s FAQ on who’s eligible to claim unemployment insurance.\u003c/a>\u003c/p>\n\u003cp>\u003cb>Gather your application information\u003c/b>\u003c/p>\n\u003cp>During your online application for UI, you’ll be asked to submit a lot of information — and it’s easiest to have all that gathered and ready, rather than trying to track it down in the middle of the process.\u003c/p>\n\u003cp>In addition to your basic identity information, you’ll need:\u003c/p>\n\u003cul>\n\u003cli>Your Social Security number\u003c/li>\n\u003cli>Your employment authorization information, if you’re not a U.S. citizen\u003c/li>\n\u003cli>A photo ID like a passport or driver’s license (for your ID.me account — more below)\u003c/li>\n\u003c/ul>\n\u003cp>You’ll also need to provide your employment history for the last 18 months, which will include:\u003c/p>\n\u003cul>\n\u003cli>The names of your previous employers\u003c/li>\n\u003cli>Their addresses\u003c/li>\n\u003cli>Their phone numbers\u003c/li>\n\u003cli>The reason each job ended\u003c/li>\n\u003cli>Your gross (total) wages earned\u003c/li>\n\u003cli>Hours worked per week\u003c/li>\n\u003cli>Hourly rate of pay\u003c/li>\n\u003c/ul>\n\u003cfigure id=\"attachment_11946480\" class=\"wp-caption alignnone\" style=\"max-width: 2560px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11946480 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1400799758-scaled.jpg\" alt=\"A woman sits at her kitchen table and sifts through documents, looking concerned. Next to her is her opened laptop.\" width=\"2560\" height=\"1708\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-scaled.jpg 2560w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-800x534.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1536x1025.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-2048x1366.jpg 2048w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1920x1281.jpg 1920w\" sizes=\"(max-width: 2560px) 100vw, 2560px\">\u003cfigcaption class=\"wp-caption-text\">During your online application for UI, you’ll be asked to submit a lot of information — and it’s easiest to have all that gathered and ready, rather than trying to track it down in the middle of the process. \u003ccite>(MoMo Productions/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cb>Make the online accounts you’ll need to apply \u003c/b>\u003c/p>\n\u003cp>To apply for UI for the first time, you’ll need to \u003ca href=\"https://portal.edd.ca.gov/WebApp/Registration\">create a new Benefit Programs Online account\u003c/a>, to enable you to log in and manage your UI claim. (You may already have one of these accounts if you’ve previously applied for UI, disability insurance or paid family leave — in that case, use the same one.)\u003c/p>\n\u003cp>When you give an email address as part of your Benefit Programs Online application, make sure you check for any emails from EDD. When you get an email with a link to complete your registration, make sure you click that link within 48 hours of receiving it — otherwise, you’ll have to start the registration process all over again.\u003c/p>\n\u003cp>When you’ve created your Benefit Programs Online account, \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">you’ll then register for UI Online\u003c/a>, which is the part of EDD’s online services that allows you to claim and manage your unemployment benefits. Keep reading for how to file your first UI claim.\u003c/p>\n\u003cp>You’ll \u003ci>also\u003c/i> need to \u003ca href=\"https://help.id.me/hc/en-us/articles/202673924-Creating-your-ID-me-account\">have an account with ID.me\u003c/a>, the identity verification EDD uses to make sure you’re really you when you’re claiming benefits. You can create your ID.me account before you create your Benefit Programs Online account, or when prompted during the process of creating it. If you’re creating your ID.me account beforehand, just make sure you keep the login details on hand so that you can sign into ID.me when prompted.\u003c/p>\n\u003cp>You might consider watching the \u003ca href=\"https://www.youtube.com/watch?v=moJ1mokMRgc\">EDD’s short instructional video on YouTube about creating these accounts and filing your first UI claim\u003c/a>, so you know what to expect during the process.\u003c/p>\n\u003cp>\u003cb>File your new UI claim\u003c/b>\u003c/p>\n\u003cp>One big thing: To start using UI Online, you’ll be asked for your “EDD Customer Account Number.” This is a number that’s unique to you, that you can also give instead of your Social Security number on the phone when speaking with an EDD representative. You should receive this number at the preferred email address you gave to EDD — in which case you can start using that EDD Customer Account Number immediately to register for UI Online. It’s also possible to \u003ca href=\"https://edd.ca.gov/en/unemployment/create-account/\">receive this number via mail “10 days after you file your claim,” says EDD\u003c/a>.\u003c/p>\n\u003cp>To file a new claim, \u003ca href=\"https://portal.edd.ca.gov/WebApp/Login?resource_url=https:%2F%2Fportal.edd.ca.gov%2FWebApp%2FHome\">log into your Benefit Programs Online account\u003c/a>, and under “UI Online” select “File New Claim.” Remember you’ll also be asked to briefly sign in to your ID.me account to verify your identity.\u003c/p>\n\u003cp>You can’t apply with UI Online 24/7, unfortunately — \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">the site has hours of operation\u003c/a> (located on the File and Manage Account tab), which EDD says are currently (all times Pacific Standard Time):\u003c/p>\n\u003cul>\n\u003cli>Sunday: 5 a.m.–8:30 p.m.\u003c/li>\n\u003cli>Monday: 4 a.m.–10 p.m.\u003c/li>\n\u003cli>Tuesday–Friday: 2 a.m.–10 p.m.\u003c/li>\n\u003cli>Saturday: 2 a.m.–8 p.m.\u003c/li>\n\u003c/ul>\n\u003cp>If you need to pause during the UI Online application process, you can hit “Save as draft” to save your application to return to later — unless it’s \u003ci>after \u003c/i>8 p.m. on the Saturday of the week you’ve started the application. If it’s after 8 p.m. on Saturday, or you’re doing this on a Sunday, you won’t be able to save your application, and you will have to start it all over again if you exit.\u003c/p>\n\u003cp>If you’re having issues with UI Online, \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">EDD recommends that you call their help line\u003c/a> at (833) 978-2511 and select option 1 after the introduction, available 8 a.m.–5 p.m., Monday through Friday. EDD says that Monday morning before 10 a.m. is their busiest call time.\u003c/p>\n\u003cp>\u003cb>Getting — and keeping — your unemployment benefits\u003c/b>\u003c/p>\n\u003cp>Once your application is complete, be aware of \u003ca href=\"https://edd.ca.gov/en/unemployment/After_You_Filed/\">the next steps and further information that EDD will ask of you\u003c/a>.\u003c/p>\n\u003cp>EDD says that \u003ca href=\"https://edd.ca.gov/en/unemployment/After_You_Filed/\">it “takes at least three weeks to process a claim\u003c/a> for unemployment benefits and issue payment to most eligible workers.” You’ll receive a debit card in the mail, which you can activate and then use to access your payments. If you have an old debit card from a previous UI claim, you can still use that one unless it’s expired (in which case you’ll be sent a new one).\u003c/p>\n\u003cp>To keep receiving UI after you first apply, you’ll have to certify for your unemployment benefits again every two weeks to continue receiving payments. You can do this online, by phone or through the mail, but EDD says you’ll get your payments faster if you certify online — and you’ll also get email reminders this way.\u003c/p>\n\u003cp>As part of this certification process every two weeks, you’ll have to \u003ca href=\"https://www.youtube.com/watch?v=3t_RgeoPH_g\">attest that you’re actively seeking employment\u003c/a>. This requirement was paused during the pandemic, but has since been reinstated. You’ll also need to \u003ca href=\"https://edd.ca.gov/en/jobs_and_training/Caljobs/\">register for CalJOBS and post your resume to the site\u003c/a> to keep receiving your UI benefits.\u003c/p>\n\u003cp>If you start doing any work again after losing your job, it’s very important that you report those earnings when you certify for your UI benefits — because those wages have to be deducted from your unemployment benefits. \u003ca href=\"https://edd.ca.gov/en/unemployment/FAQ-claims/#:~:text=Can%20I%20still%20collect%20benefits,deducted%20from%20your%20unemployment%20payments.\">Read more on how EDD will adjust your UI if you start earning money again while claiming unemployment benefits.\u003c/a>\u003c/p>\n\u003cp>And if you’re lucky enough to find a new full-time job, EDD is clear: “If you return to work full time, you will no longer be eligible for unemployment benefits.”\u003c/p>\n\u003cp>\u003ca href=\"https://edd.ca.gov/en/unemployment/certify/\">See EDD’s FAQ on certifying your UI claim every two weeks.\u003c/a>\u003c/p>\n\u003ch2>\u003ca id=\"healthinsurance\">\u003c/a>Step 2: Address your health insurance\u003c/h2>\n\u003cp>If your health insurance was tied to your employment, you need to act swiftly to ensure you’ll still have access to health care after your job ends. The option that’s best for you after your employment ends will depend primarily on how much income your household will now be receiving after you stop working.\u003c/p>\n\u003cp>Remember that if you’ve applied for unemployment benefits, \u003ca href=\"https://www.healthcare.gov/unemployed/\">you’ll need to declare that unemployment compensation as income\u003c/a> when applying for health insurance plans. \u003ca href=\"https://www.healthcare.gov/income-and-household-information/income/\">Get advice on how to estimate your income on your application.\u003c/a>\u003c/p>\n\u003cp>\u003cb>First, check with your employer on when your health benefits will \u003ci>actually\u003c/i> end.\u003c/b>\u003c/p>\n\u003cp>Sometimes a severance package will offer a holdover of benefits, advises the San Francisco’s Human Services Agency’s Bart Ellison. Ask very specific questions of your human resources team, if you have one, about when the last day of your health care will be.\u003c/p>\n\u003cp>\u003cb>See if you can go on a family member’s health care.\u003c/b>\u003c/p>\n\u003cp>Losing your health care because of a job loss will likely qualify as a special enrollment period for joining a family member’s plan, if eligible.\u003c/p>\n\u003cp>If you have a domestic partner, you may be eligible to join their plan. If you’re under 26 years old, \u003ca href=\"https://www.healthcare.gov/young-adults/children-under-26/\">you may be able to join a parent’s plan\u003c/a>.\u003c/p>\n\u003cfigure id=\"attachment_11945872\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11945872 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412.jpg\" alt=\"A person with medium-toned skin sits at a wooden table writing on a notepad, surrounded by books. They are wearing a gray t-shirt and have tattooed forearms. We can't see their face.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Applying for benefits you’re entitled to can be a time-consuming process. \u003ccite>(cottonbro studio/Pexels)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cb>Medi-Cal\u003c/b>\u003c/p>\n\u003cp>Medi-Cal is California’s version of Medicaid, which offers health care to lower-income folks throughout the state. Eligibility is assessed by your household income, and for many people who qualify, there is no cost of getting health care through Medi-Cal.\u003c/p>\n\u003cp>Laws passed in the last few years in California mean that \u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/youngadultexp.aspx\">undocumented people age 25 or under\u003c/a> and also \u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/OlderAdultExpansion.aspx\">undocumented adults age 50 and over\u003c/a> are now eligible to receive Medi-Cal, too.\u003c/p>\n\u003cp>Unlike Covered California, \u003ca href=\"https://www.healthcare.gov/unemployed/\">Medi-Cal has no limited enrollment period\u003c/a> — you can sign up at any time of year if eligible, including if you’ve lost your job. If your children previously were getting health care through your employer’s plan, \u003ca href=\"https://www.insurekidsnow.gov/coverage/ca/index.html\">Medi-Cal — or the Children’s Health Insurance Program — may be able to cover them now\u003c/a>.\u003c/p>\n\u003cp>\u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/Medi-CalFAQs2014a.aspx#1\">See the state’s FAQ about Medi-Cal.\u003c/a> Medi-Cal and Covered California use the same application portal at \u003ca href=\"https://www.coveredca.com/apply/\">coveredca.com/apply\u003c/a>. Fill out your details, and the site will tell you whether your household income makes you eligible for Medi-Cal or whether you have to choose a private plan from Covered California.\u003c/p>\n\u003cp>\u003cb>Covered California\u003c/b>\u003c/p>\n\u003cp>Covered California is the state’s marketplace that offers private health insurance plans. Depending on your household income, you may qualify for a free or low-cost health plan through Covered California — or you may be eligible to receive financial help through Covered California that could help cover the costs of your premiums and co-pays. As with Medi-Cal, your household income is going to determine what you’re eligible for.\u003c/p>\n\u003cp>Leaving your job for any reason and subsequently \u003ca href=\"https://www.healthcare.gov/unemployed/\">losing your job-based health coverage qualifies for a special enrollment period\u003c/a> for signing up for a marketplace health plan. Usually, you’ll get 60 days from the day you lose your coverage to sign up for a health plan.\u003c/p>\n\u003cp>\u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/Medi-CalFAQs2014c.aspx#1\">See the state’s FAQ about Covered California.\u003c/a> Remember, Covered California uses the same application portal as Medi-Cal at \u003ca href=\"https://www.coveredca.com/apply/\">coveredca.com/apply\u003c/a>. Fill out your details, and the site will tell you whether your household income makes you eligible for Medi-Cal or whether you have to choose a private plan from Covered California.\u003c/p>\n\u003cp>\u003cb>COBRA\u003c/b>\u003c/p>\n\u003cp>COBRA stands for the federal Consolidated Omnibus Budget Reconciliation Act — and it’s a way of temporarily keeping health care after you leave a job. Instead of opting to sign up for Medi-Cal or a private health insurance plan through Covered California, you can choose so-called “continuation coverage” of your existing health care plan under COBRA, for a certain period of time.\u003c/p>\n\u003cp>\u003ca href=\"https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/cobra_qna\">Health care through COBRA can be applied retroactively\u003c/a>, if you’re unsure about electing it straightaway. The catch: COBRA is expensive, because it’s the health plan your employer was previously paying part or all of — and now, you’re paying all the costs yourself.\u003c/p>\n\u003cp>\u003cb>Getting back onto health insurance taking a while? Know where your nearest community health center is.\u003c/b>\u003c/p>\n\u003cp>If you aren’t eligible for coverage through Medi-Cal, but signing up for another health plan is proving challenging right now, you can get low-cost health care at a nearby community health center. Make sure you know where your nearest one is, in case you need access to health care quickly. You can \u003ca href=\"https://findahealthcenter.hrsa.gov/\">use this map to find the closest community health center near you\u003c/a>.\u003c/p>\n\u003cp>\u003cb>More resources on finding health care after losing your job:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli>“\u003ca href=\"https://www.coveredca.com/marketing-blog/health-insurance-for-the-unemployed-from-cobra-to-medi-cal/\">Health Insurance for the Unemployed, from COBRA to Medi-Cal\u003c/a>” (from coveredca.com)\u003c/li>\n\u003cli>“\u003ca href=\"https://www.healthcare.gov/unemployed/\">Health coverage options if you’re unemployed\u003c/a>” (from healthcare.gov)\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"otherbenefits\">\u003c/a>Step 3: Don’t forget about other benefits you could be entitled to\u003c/h2>\n\u003cp>The quickest way to see what benefits you might be eligible for now is to \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">do one application through the state’s BenefitsCal portal\u003c/a>. This site will review your information and tell you what you may qualify for, including Medi-Cal.\u003c/p>\n\u003cp>The state says this application will take you between 30 minutes and an hour, and if you make an account you can save your progress and return to the application later, rather than having to start again. One catch: Not all counties in California are using this portal yet. \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">Select your county from the drop-down menu\u003c/a> to see whether you have to use another site — \u003ca href=\"https://www.mybenefitscalwin.org/\">mybenefitscalwin.org\u003c/a> — instead.\u003c/p>\n\u003cp>The other benefits you could be entitled to may include:\u003c/p>\n\u003cp>\u003cb>CalFresh (SNAP)\u003c/b>\u003c/p>\n\u003cp>CalFresh is the state’s version of the federal Supplemental Nutrition Assistance Program (SNAP), the food benefits program also known as “food stamps.”\u003c/p>\n\u003cp>[aside postID=\"news_11943420\" hero=\"https://ww2.kqed.org/app/uploads/sites/10/2023/03/GettyImages-1144627849-1020x680.jpg\"]According to the state’s data from March 2023, over 3 million households use these funds to ensure they have access to food. You can \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">apply through benefitscal.com\u003c/a>, which will also show you all other benefits you’re entitled to, or \u003ca href=\"https://www.getcalfresh.org/\">go direct through getcalfresh.org\u003c/a>.\u003c/p>\n\u003cp>\u003cb>CalWORKs (California Work Opportunity and Responsibility to Kids)\u003c/b>\u003c/p>\n\u003cp>If you have at least one child in your home, CalWORKs is a public assistance program that offers cash aid and services to eligible families. \u003ca href=\"https://benefitscal.com/\">See if your family is eligible to receive CalWORKs at benefitscal.com\u003c/a>.\u003c/p>\n\u003cp>\u003cb>WIC (Women, Infants and Children Supplemental Nutrition Program)\u003c/b>\u003c/p>\n\u003cp>WIC provides food assistance to lower-income families who have young children or are expecting a new child. Like CalFresh, it’s federally funded, and you can receive WIC benefits on top of your CalFresh benefits.\u003c/p>\n\u003cp>The program is income-based, and is available to pregnant people, plus new parents and grandparents of young children.\u003ca href=\"https://myfamily.wic.ca.gov/Home/HowCanIGetWIC#howToGetWIC\"> See whether you’re eligible for WIC and apply online.\u003c/a>\u003c/p>\n\u003cp>Make sure to read the rest of our KQED guides about other steps you can take after a layoff to better support yourself and those who depend on you:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11949801/layoffs-how-to-find-a-new-job-jobhunting-tips\">The Best Ways to Find a New Job, According to an Expert\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11949674/layoffs-mental-health-lost-job-self-care\">How to Prioritize Your Mental Health After Losing Your Job, From Telling Family to Self-Care\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11948895/layoffs-how-to-save-more-money-after-losing-your-job\">How to Save More Money After Losing Your Job\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"tellus\">\u003c/a>Tell us: What else do you need information about?\u003c/h2>\n\u003cp>At KQED News, we know that it can sometimes be hard to track down the answers to navigate life in the Bay Area. We’ve published \u003ca href=\"https://www.kqed.org/news/tag/coronavirus-resources-and-explainers\">clear, practical explainers and guides about COVID\u003c/a>, \u003ca href=\"https://www.kqed.org/news/11936674/how-to-prepare-for-this-weeks-atmospheric-river-storm-sandbags-emergency-kits-and-more\">how to cope with intense winter weather\u003c/a> and \u003ca href=\"https://www.kqed.org/news/11821950/how-to-safely-attend-a-protest-in-the-bay-area\">how to exercise your right to protest safely\u003c/a>.\u003c/p>\n\u003cp>So tell us: What do you need to know more about? Tell us, and you could see your question answered online or on social media. What you submit will make our reporting stronger, and help us decide what to cover here on our site, and on KQED Public Radio, too.\u003c/p>\n\u003cp>[hearken id=\"10483\" src=\"https://modules.wearehearken.com/kqed/embed/10483.js\"]\u003c/p>\n\u003cp>\u003cem>This story was originally published on May 19, 2023\u003c/em>\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"Knowing what to do when you get laid off can feel daunting — especially if losing your job came as a shock. Check out our list of the initial steps to take after a layoff, to ensure you’re in as secure a place as possible.","status":"publish","parent":0,"modified":1705007979,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":true,"hasPolis":false,"paragraphCount":89,"wordCount":3722},"headData":{"title":"Layoffs: From Unemployment Benefits to Health Insurance, the Steps to Take ASAP | KQED","description":"Knowing what to do when you get laid off can feel daunting — especially if losing your job came as a shock. Check out our list of the initial steps to take after a layoff, to ensure you’re in as secure a place as possible.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Layoffs: From Unemployment Benefits to Health Insurance, the Steps to Take ASAP","datePublished":"2024-01-11T21:10:35.000Z","dateModified":"2024-01-11T21:19:39.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"sticky":false,"excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11949192/layoffs-unemployment-benefits-health-insurance-calfresh","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>This guide is part of the KQED News series \u003cstrong>\u003ca href=\"https://www.kqed.org/news/tag/what-to-do-after-a-layoff\">What to Do After a Layoff.\u003c/a>\u003c/strong>\u003c/em>\u003c/p>\n\u003cp>Knowing what to do when you get laid off can feel like a daunting prospect — especially if losing your job came as a total shock.\u003c/p>\n\u003cp>We’ve compiled a list of the initial steps to take after a layoff, to ensure you’re in as secure a place as possible. Jump straight to:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#unemploymentbenefits\">Applying for unemployment benefits\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#healthinsurance\">Keeping your health insurance\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#otherbenefits\">Other benefits you might not know you’re eligible for\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>… Or keep reading. As with the instructions for assembling furniture, you might find it helpful to read all this advice start to finish before you embark on these applications — to be prepared for any bumps you might encounter.\u003c/p>\n\u003ch2>Three tips to making applying for benefits after a layoff easier\u003c/h2>\n\u003cp>\u003cb>Your local government may have staff to help you do this\u003c/b>\u003c/p>\n\u003cp>Many cities and counties have their own offices, staff or programs specifically designed for people in your situation right now — which often have physical offices you can visit, or hotlines to call to ask a person your questions. These kinds of local resources can be particularly helpful in navigating the various benefits you could be entitled to, and aiding in the application processes.\u003c/p>\n\u003cp>Some offices, like the Department of Benefits and Family Support within \u003ca href=\"https://www.sfhsa.org/\">San Francisco’s Human Services Agency (SFHSA)\u003c/a>, can take your information in one central application and apply for those benefits on your behalf.\u003c/p>\n\u003cp>Having the help of a city staffer trained in these applications could save you a lot of time and stress, says Bart Ellison, program manager at SFHSA’s Workforce Development Division — not just because the process is streamlined, but because you’ll be able to ask these folks questions either in person or over the phone. It’s their job to help you — let them do it.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#tellus\">Tell us: What else do you need information about right now?\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>Your city or county may also have a program to help you find new employment, like \u003ca href=\"https://www.sfhsa.org/services/jobs/jobsnow\">SFHSA’s free JobsNOW! program\u003c/a>, which is open to San Francisco job seekers based on their income level, and matches job hunters with roles.\u003c/p>\n\u003cp>\u003ca href=\"https://www.cdss.ca.gov/county-offices\">Find your local social services office in this statewide list.\u003c/a>\u003c/p>\n\u003cp>\u003cb>Don’t feel weird about claiming the benefits you’re owed\u003c/b>\u003c/p>\n\u003cp>When it comes to claiming benefits after a layoff, Ellison wants to remind you that “we all pay for this through our taxes.”\u003c/p>\n\u003cp>“It’s great that if you don’t need it, it’s there. If you do need it, it’s there, and it should be accessed,” Ellison said. “There’s no shame in any of that.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11957790,news_11970001,news_11967946,news_11968709","label":"COVID Resources and Explainers "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>A lot of people also just don’t know about the benefits they could be eligible for, says Ellison, or assume they won’t qualify.\u003c/p>\n\u003cp>He also says that some of the eligible job seekers he and his team work with in San Francisco might fear coming forward to apply if a member of their family is undocumented, because they think it will cause them problems. “We don’t get involved in any of that,” said Ellison. “They should never fear that situation.”\u003c/p>\n\u003cp>\u003cb>Try to be patient with how long the application process could take\u003c/b>\u003c/p>\n\u003cp>Ellison says he and his team “try not to ask a client for documents that we know we already have in the system” — but concedes that sometimes, this process will feel like providing endless documentation. The benefits you’re applying for can be a mix of federal and state funds, so unfortunately “it’s not just as simple as coming in and saying, ‘Hi, I’m Bart, could you sign me up?,’” said Ellison.\u003c/p>\n\u003cp>The more you can follow through with any documentation requests, hopefully the faster and smoother your application process will go. “And if you need more time or need help gathering stuff, that is what the eligibility staff are there for,” said Ellison. “They are there to \u003ci>help \u003c/i>you find some of these things. So you just need to kind of be your own advocate, and speak up.”\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Read more layoff advice in our \u003ca href=\"https://www.kqed.org/news/tag/what-to-do-after-a-layoff\">What to Do After a Layoff \u003c/a>series\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"unemploymentbenefits\">\u003c/a>Step 1: Apply for unemployment benefits\u003c/h2>\n\u003cp>If you’ve been laid off, \u003ca href=\"https://edd.ca.gov/en/unemployment/apply/\">apply for unemployment insurance\u003c/a> (UI, also known just as “unemployment”) from the California Employment Development Department (EDD) as soon as you can. Not only could it take at least three weeks to receive any benefits payments from a successful claim, but your claim begins when you first apply for it — not the day you lose your job. So time is of the essence.\u003c/p>\n\u003cp>\u003cb>Who can claim unemployment benefits?\u003c/b>\u003c/p>\n\u003cp>If you’re reading this and you \u003ci>chose\u003c/i> to leave your job, you usually aren’t eligible to claim unemployment. The exception to this is if you quit your job for what EDD calls “good cause,” which can include unsafe working conditions or a doctor’s advice. Whether or not you’re eligible to still claim UI in this situation will be determined by a phone interview with an EDD representative.\u003c/p>\n\u003cp>When applying for UI, you’ll have to show EDD that you have earned enough wages during the base period of 12 months, are totally or partially unemployed, are “unemployed through no fault of your own,” are physically able to work, are available for work and are ready and willing to accept work immediately.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>EDD will also ask you to show that you are “in satisfactory immigration status and authorized to work in the United States” not only now, but when you were earning the wages you’re using to establish your claim. EDD also warns that it will verify your immigration status and work authorization through the Department of Homeland Security.\u003c/p>\n\u003cp>You can \u003ca href=\"https://edd.ca.gov/en/unemployment/UI-Calculator/\">calculate the amount of unemployment benefits you can receive using this tool\u003c/a>. Remember that the amount of unemployment you’ll receive is based on your wages over the last 18 months, calculated by EDD from a base period of 12 months within that time — and if you didn’t earn any wages during that period, you won’t qualify for unemployment benefits.\u003c/p>\n\u003cp>\u003ca href=\"https://edd.ca.gov/en/unemployment/FAQ_-_Eligibility/\">See the EDD’s FAQ on who’s eligible to claim unemployment insurance.\u003c/a>\u003c/p>\n\u003cp>\u003cb>Gather your application information\u003c/b>\u003c/p>\n\u003cp>During your online application for UI, you’ll be asked to submit a lot of information — and it’s easiest to have all that gathered and ready, rather than trying to track it down in the middle of the process.\u003c/p>\n\u003cp>In addition to your basic identity information, you’ll need:\u003c/p>\n\u003cul>\n\u003cli>Your Social Security number\u003c/li>\n\u003cli>Your employment authorization information, if you’re not a U.S. citizen\u003c/li>\n\u003cli>A photo ID like a passport or driver’s license (for your ID.me account — more below)\u003c/li>\n\u003c/ul>\n\u003cp>You’ll also need to provide your employment history for the last 18 months, which will include:\u003c/p>\n\u003cul>\n\u003cli>The names of your previous employers\u003c/li>\n\u003cli>Their addresses\u003c/li>\n\u003cli>Their phone numbers\u003c/li>\n\u003cli>The reason each job ended\u003c/li>\n\u003cli>Your gross (total) wages earned\u003c/li>\n\u003cli>Hours worked per week\u003c/li>\n\u003cli>Hourly rate of pay\u003c/li>\n\u003c/ul>\n\u003cfigure id=\"attachment_11946480\" class=\"wp-caption alignnone\" style=\"max-width: 2560px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11946480 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1400799758-scaled.jpg\" alt=\"A woman sits at her kitchen table and sifts through documents, looking concerned. Next to her is her opened laptop.\" width=\"2560\" height=\"1708\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-scaled.jpg 2560w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-800x534.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1536x1025.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-2048x1366.jpg 2048w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1920x1281.jpg 1920w\" sizes=\"(max-width: 2560px) 100vw, 2560px\">\u003cfigcaption class=\"wp-caption-text\">During your online application for UI, you’ll be asked to submit a lot of information — and it’s easiest to have all that gathered and ready, rather than trying to track it down in the middle of the process. \u003ccite>(MoMo Productions/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cb>Make the online accounts you’ll need to apply \u003c/b>\u003c/p>\n\u003cp>To apply for UI for the first time, you’ll need to \u003ca href=\"https://portal.edd.ca.gov/WebApp/Registration\">create a new Benefit Programs Online account\u003c/a>, to enable you to log in and manage your UI claim. (You may already have one of these accounts if you’ve previously applied for UI, disability insurance or paid family leave — in that case, use the same one.)\u003c/p>\n\u003cp>When you give an email address as part of your Benefit Programs Online application, make sure you check for any emails from EDD. When you get an email with a link to complete your registration, make sure you click that link within 48 hours of receiving it — otherwise, you’ll have to start the registration process all over again.\u003c/p>\n\u003cp>When you’ve created your Benefit Programs Online account, \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">you’ll then register for UI Online\u003c/a>, which is the part of EDD’s online services that allows you to claim and manage your unemployment benefits. Keep reading for how to file your first UI claim.\u003c/p>\n\u003cp>You’ll \u003ci>also\u003c/i> need to \u003ca href=\"https://help.id.me/hc/en-us/articles/202673924-Creating-your-ID-me-account\">have an account with ID.me\u003c/a>, the identity verification EDD uses to make sure you’re really you when you’re claiming benefits. You can create your ID.me account before you create your Benefit Programs Online account, or when prompted during the process of creating it. If you’re creating your ID.me account beforehand, just make sure you keep the login details on hand so that you can sign into ID.me when prompted.\u003c/p>\n\u003cp>You might consider watching the \u003ca href=\"https://www.youtube.com/watch?v=moJ1mokMRgc\">EDD’s short instructional video on YouTube about creating these accounts and filing your first UI claim\u003c/a>, so you know what to expect during the process.\u003c/p>\n\u003cp>\u003cb>File your new UI claim\u003c/b>\u003c/p>\n\u003cp>One big thing: To start using UI Online, you’ll be asked for your “EDD Customer Account Number.” This is a number that’s unique to you, that you can also give instead of your Social Security number on the phone when speaking with an EDD representative. You should receive this number at the preferred email address you gave to EDD — in which case you can start using that EDD Customer Account Number immediately to register for UI Online. It’s also possible to \u003ca href=\"https://edd.ca.gov/en/unemployment/create-account/\">receive this number via mail “10 days after you file your claim,” says EDD\u003c/a>.\u003c/p>\n\u003cp>To file a new claim, \u003ca href=\"https://portal.edd.ca.gov/WebApp/Login?resource_url=https:%2F%2Fportal.edd.ca.gov%2FWebApp%2FHome\">log into your Benefit Programs Online account\u003c/a>, and under “UI Online” select “File New Claim.” Remember you’ll also be asked to briefly sign in to your ID.me account to verify your identity.\u003c/p>\n\u003cp>You can’t apply with UI Online 24/7, unfortunately — \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">the site has hours of operation\u003c/a> (located on the File and Manage Account tab), which EDD says are currently (all times Pacific Standard Time):\u003c/p>\n\u003cul>\n\u003cli>Sunday: 5 a.m.–8:30 p.m.\u003c/li>\n\u003cli>Monday: 4 a.m.–10 p.m.\u003c/li>\n\u003cli>Tuesday–Friday: 2 a.m.–10 p.m.\u003c/li>\n\u003cli>Saturday: 2 a.m.–8 p.m.\u003c/li>\n\u003c/ul>\n\u003cp>If you need to pause during the UI Online application process, you can hit “Save as draft” to save your application to return to later — unless it’s \u003ci>after \u003c/i>8 p.m. on the Saturday of the week you’ve started the application. If it’s after 8 p.m. on Saturday, or you’re doing this on a Sunday, you won’t be able to save your application, and you will have to start it all over again if you exit.\u003c/p>\n\u003cp>If you’re having issues with UI Online, \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">EDD recommends that you call their help line\u003c/a> at (833) 978-2511 and select option 1 after the introduction, available 8 a.m.–5 p.m., Monday through Friday. EDD says that Monday morning before 10 a.m. is their busiest call time.\u003c/p>\n\u003cp>\u003cb>Getting — and keeping — your unemployment benefits\u003c/b>\u003c/p>\n\u003cp>Once your application is complete, be aware of \u003ca href=\"https://edd.ca.gov/en/unemployment/After_You_Filed/\">the next steps and further information that EDD will ask of you\u003c/a>.\u003c/p>\n\u003cp>EDD says that \u003ca href=\"https://edd.ca.gov/en/unemployment/After_You_Filed/\">it “takes at least three weeks to process a claim\u003c/a> for unemployment benefits and issue payment to most eligible workers.” You’ll receive a debit card in the mail, which you can activate and then use to access your payments. If you have an old debit card from a previous UI claim, you can still use that one unless it’s expired (in which case you’ll be sent a new one).\u003c/p>\n\u003cp>To keep receiving UI after you first apply, you’ll have to certify for your unemployment benefits again every two weeks to continue receiving payments. You can do this online, by phone or through the mail, but EDD says you’ll get your payments faster if you certify online — and you’ll also get email reminders this way.\u003c/p>\n\u003cp>As part of this certification process every two weeks, you’ll have to \u003ca href=\"https://www.youtube.com/watch?v=3t_RgeoPH_g\">attest that you’re actively seeking employment\u003c/a>. This requirement was paused during the pandemic, but has since been reinstated. You’ll also need to \u003ca href=\"https://edd.ca.gov/en/jobs_and_training/Caljobs/\">register for CalJOBS and post your resume to the site\u003c/a> to keep receiving your UI benefits.\u003c/p>\n\u003cp>If you start doing any work again after losing your job, it’s very important that you report those earnings when you certify for your UI benefits — because those wages have to be deducted from your unemployment benefits. \u003ca href=\"https://edd.ca.gov/en/unemployment/FAQ-claims/#:~:text=Can%20I%20still%20collect%20benefits,deducted%20from%20your%20unemployment%20payments.\">Read more on how EDD will adjust your UI if you start earning money again while claiming unemployment benefits.\u003c/a>\u003c/p>\n\u003cp>And if you’re lucky enough to find a new full-time job, EDD is clear: “If you return to work full time, you will no longer be eligible for unemployment benefits.”\u003c/p>\n\u003cp>\u003ca href=\"https://edd.ca.gov/en/unemployment/certify/\">See EDD’s FAQ on certifying your UI claim every two weeks.\u003c/a>\u003c/p>\n\u003ch2>\u003ca id=\"healthinsurance\">\u003c/a>Step 2: Address your health insurance\u003c/h2>\n\u003cp>If your health insurance was tied to your employment, you need to act swiftly to ensure you’ll still have access to health care after your job ends. The option that’s best for you after your employment ends will depend primarily on how much income your household will now be receiving after you stop working.\u003c/p>\n\u003cp>Remember that if you’ve applied for unemployment benefits, \u003ca href=\"https://www.healthcare.gov/unemployed/\">you’ll need to declare that unemployment compensation as income\u003c/a> when applying for health insurance plans. \u003ca href=\"https://www.healthcare.gov/income-and-household-information/income/\">Get advice on how to estimate your income on your application.\u003c/a>\u003c/p>\n\u003cp>\u003cb>First, check with your employer on when your health benefits will \u003ci>actually\u003c/i> end.\u003c/b>\u003c/p>\n\u003cp>Sometimes a severance package will offer a holdover of benefits, advises the San Francisco’s Human Services Agency’s Bart Ellison. Ask very specific questions of your human resources team, if you have one, about when the last day of your health care will be.\u003c/p>\n\u003cp>\u003cb>See if you can go on a family member’s health care.\u003c/b>\u003c/p>\n\u003cp>Losing your health care because of a job loss will likely qualify as a special enrollment period for joining a family member’s plan, if eligible.\u003c/p>\n\u003cp>If you have a domestic partner, you may be eligible to join their plan. If you’re under 26 years old, \u003ca href=\"https://www.healthcare.gov/young-adults/children-under-26/\">you may be able to join a parent’s plan\u003c/a>.\u003c/p>\n\u003cfigure id=\"attachment_11945872\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11945872 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412.jpg\" alt=\"A person with medium-toned skin sits at a wooden table writing on a notepad, surrounded by books. They are wearing a gray t-shirt and have tattooed forearms. We can't see their face.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Applying for benefits you’re entitled to can be a time-consuming process. \u003ccite>(cottonbro studio/Pexels)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cb>Medi-Cal\u003c/b>\u003c/p>\n\u003cp>Medi-Cal is California’s version of Medicaid, which offers health care to lower-income folks throughout the state. Eligibility is assessed by your household income, and for many people who qualify, there is no cost of getting health care through Medi-Cal.\u003c/p>\n\u003cp>Laws passed in the last few years in California mean that \u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/youngadultexp.aspx\">undocumented people age 25 or under\u003c/a> and also \u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/OlderAdultExpansion.aspx\">undocumented adults age 50 and over\u003c/a> are now eligible to receive Medi-Cal, too.\u003c/p>\n\u003cp>Unlike Covered California, \u003ca href=\"https://www.healthcare.gov/unemployed/\">Medi-Cal has no limited enrollment period\u003c/a> — you can sign up at any time of year if eligible, including if you’ve lost your job. If your children previously were getting health care through your employer’s plan, \u003ca href=\"https://www.insurekidsnow.gov/coverage/ca/index.html\">Medi-Cal — or the Children’s Health Insurance Program — may be able to cover them now\u003c/a>.\u003c/p>\n\u003cp>\u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/Medi-CalFAQs2014a.aspx#1\">See the state’s FAQ about Medi-Cal.\u003c/a> Medi-Cal and Covered California use the same application portal at \u003ca href=\"https://www.coveredca.com/apply/\">coveredca.com/apply\u003c/a>. Fill out your details, and the site will tell you whether your household income makes you eligible for Medi-Cal or whether you have to choose a private plan from Covered California.\u003c/p>\n\u003cp>\u003cb>Covered California\u003c/b>\u003c/p>\n\u003cp>Covered California is the state’s marketplace that offers private health insurance plans. Depending on your household income, you may qualify for a free or low-cost health plan through Covered California — or you may be eligible to receive financial help through Covered California that could help cover the costs of your premiums and co-pays. As with Medi-Cal, your household income is going to determine what you’re eligible for.\u003c/p>\n\u003cp>Leaving your job for any reason and subsequently \u003ca href=\"https://www.healthcare.gov/unemployed/\">losing your job-based health coverage qualifies for a special enrollment period\u003c/a> for signing up for a marketplace health plan. Usually, you’ll get 60 days from the day you lose your coverage to sign up for a health plan.\u003c/p>\n\u003cp>\u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/Medi-CalFAQs2014c.aspx#1\">See the state’s FAQ about Covered California.\u003c/a> Remember, Covered California uses the same application portal as Medi-Cal at \u003ca href=\"https://www.coveredca.com/apply/\">coveredca.com/apply\u003c/a>. Fill out your details, and the site will tell you whether your household income makes you eligible for Medi-Cal or whether you have to choose a private plan from Covered California.\u003c/p>\n\u003cp>\u003cb>COBRA\u003c/b>\u003c/p>\n\u003cp>COBRA stands for the federal Consolidated Omnibus Budget Reconciliation Act — and it’s a way of temporarily keeping health care after you leave a job. Instead of opting to sign up for Medi-Cal or a private health insurance plan through Covered California, you can choose so-called “continuation coverage” of your existing health care plan under COBRA, for a certain period of time.\u003c/p>\n\u003cp>\u003ca href=\"https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/cobra_qna\">Health care through COBRA can be applied retroactively\u003c/a>, if you’re unsure about electing it straightaway. The catch: COBRA is expensive, because it’s the health plan your employer was previously paying part or all of — and now, you’re paying all the costs yourself.\u003c/p>\n\u003cp>\u003cb>Getting back onto health insurance taking a while? Know where your nearest community health center is.\u003c/b>\u003c/p>\n\u003cp>If you aren’t eligible for coverage through Medi-Cal, but signing up for another health plan is proving challenging right now, you can get low-cost health care at a nearby community health center. Make sure you know where your nearest one is, in case you need access to health care quickly. You can \u003ca href=\"https://findahealthcenter.hrsa.gov/\">use this map to find the closest community health center near you\u003c/a>.\u003c/p>\n\u003cp>\u003cb>More resources on finding health care after losing your job:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli>“\u003ca href=\"https://www.coveredca.com/marketing-blog/health-insurance-for-the-unemployed-from-cobra-to-medi-cal/\">Health Insurance for the Unemployed, from COBRA to Medi-Cal\u003c/a>” (from coveredca.com)\u003c/li>\n\u003cli>“\u003ca href=\"https://www.healthcare.gov/unemployed/\">Health coverage options if you’re unemployed\u003c/a>” (from healthcare.gov)\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"otherbenefits\">\u003c/a>Step 3: Don’t forget about other benefits you could be entitled to\u003c/h2>\n\u003cp>The quickest way to see what benefits you might be eligible for now is to \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">do one application through the state’s BenefitsCal portal\u003c/a>. This site will review your information and tell you what you may qualify for, including Medi-Cal.\u003c/p>\n\u003cp>The state says this application will take you between 30 minutes and an hour, and if you make an account you can save your progress and return to the application later, rather than having to start again. One catch: Not all counties in California are using this portal yet. \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">Select your county from the drop-down menu\u003c/a> to see whether you have to use another site — \u003ca href=\"https://www.mybenefitscalwin.org/\">mybenefitscalwin.org\u003c/a> — instead.\u003c/p>\n\u003cp>The other benefits you could be entitled to may include:\u003c/p>\n\u003cp>\u003cb>CalFresh (SNAP)\u003c/b>\u003c/p>\n\u003cp>CalFresh is the state’s version of the federal Supplemental Nutrition Assistance Program (SNAP), the food benefits program also known as “food stamps.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11943420","hero":"https://ww2.kqed.org/app/uploads/sites/10/2023/03/GettyImages-1144627849-1020x680.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>According to the state’s data from March 2023, over 3 million households use these funds to ensure they have access to food. You can \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">apply through benefitscal.com\u003c/a>, which will also show you all other benefits you’re entitled to, or \u003ca href=\"https://www.getcalfresh.org/\">go direct through getcalfresh.org\u003c/a>.\u003c/p>\n\u003cp>\u003cb>CalWORKs (California Work Opportunity and Responsibility to Kids)\u003c/b>\u003c/p>\n\u003cp>If you have at least one child in your home, CalWORKs is a public assistance program that offers cash aid and services to eligible families. \u003ca href=\"https://benefitscal.com/\">See if your family is eligible to receive CalWORKs at benefitscal.com\u003c/a>.\u003c/p>\n\u003cp>\u003cb>WIC (Women, Infants and Children Supplemental Nutrition Program)\u003c/b>\u003c/p>\n\u003cp>WIC provides food assistance to lower-income families who have young children or are expecting a new child. Like CalFresh, it’s federally funded, and you can receive WIC benefits on top of your CalFresh benefits.\u003c/p>\n\u003cp>The program is income-based, and is available to pregnant people, plus new parents and grandparents of young children.\u003ca href=\"https://myfamily.wic.ca.gov/Home/HowCanIGetWIC#howToGetWIC\"> See whether you’re eligible for WIC and apply online.\u003c/a>\u003c/p>\n\u003cp>Make sure to read the rest of our KQED guides about other steps you can take after a layoff to better support yourself and those who depend on you:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11949801/layoffs-how-to-find-a-new-job-jobhunting-tips\">The Best Ways to Find a New Job, According to an Expert\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11949674/layoffs-mental-health-lost-job-self-care\">How to Prioritize Your Mental Health After Losing Your Job, From Telling Family to Self-Care\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11948895/layoffs-how-to-save-more-money-after-losing-your-job\">How to Save More Money After Losing Your Job\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"tellus\">\u003c/a>Tell us: What else do you need information about?\u003c/h2>\n\u003cp>At KQED News, we know that it can sometimes be hard to track down the answers to navigate life in the Bay Area. We’ve published \u003ca href=\"https://www.kqed.org/news/tag/coronavirus-resources-and-explainers\">clear, practical explainers and guides about COVID\u003c/a>, \u003ca href=\"https://www.kqed.org/news/11936674/how-to-prepare-for-this-weeks-atmospheric-river-storm-sandbags-emergency-kits-and-more\">how to cope with intense winter weather\u003c/a> and \u003ca href=\"https://www.kqed.org/news/11821950/how-to-safely-attend-a-protest-in-the-bay-area\">how to exercise your right to protest safely\u003c/a>.\u003c/p>\n\u003cp>So tell us: What do you need to know more about? Tell us, and you could see your question answered online or on social media. What you submit will make our reporting stronger, and help us decide what to cover here on our site, and on KQED Public Radio, too.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"hearken","attributes":{"named":{"id":"10483","src":"https://modules.wearehearken.com/kqed/embed/10483.js","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cem>This story was originally published on May 19, 2023\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11949192/layoffs-unemployment-benefits-health-insurance-calfresh","authors":["3243"],"categories":["news_8"],"tags":["news_32707","news_5164","news_28339","news_31848","news_27626","news_1054","news_352","news_32053","news_2605","news_28004","news_631","news_30130","news_32735"],"featImg":"news_11949742","label":"news"},"news_11956545":{"type":"posts","id":"news_11956545","meta":{"index":"posts_1591205157","site":"news","id":"11956545","score":null,"sort":[1690400113000]},"guestAuthors":[],"slug":"its-worrisome-covered-california-announces-biggest-increase-in-premiums","title":"'It's Worrisome': Covered California Announces Biggest Increase in Premiums","publishDate":1690400113,"format":"standard","headTitle":"‘It’s Worrisome’: Covered California Announces Biggest Increase in Premiums | KQED","labelTerm":{},"content":"\u003cp>Premiums for health insurance sold through the state marketplace will increase by nearly 10% next year, the highest rate hike since 2018, \u003ca href=\"https://www.coveredca.com/newsroom/news-releases/2023/07/25/\">Covered California officials announced\u003c/a> Tuesday.\u003c/p>\n\u003cp>The projected 9.6% hike is the result of a “complicated time for health care,” Covered California Executive Director Jessica Altman said during a media briefing, but many Californians will be shielded from the increases as a result of federal and state financial assistance.\u003c/p>\n\u003cp>About 90% of enrollees qualify for some type of federal or state financial aid and 20% will see no change in their monthly premium, officials said. About 1.6 million Californians turn to the marketplace for health insurance, which offers plans that cost as little as $10 a month.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The rate increase, however, represents the return of a troubling trend: \u003ca href=\"https://calmatters.org/health/2022/07/rising-health-care-costs/\">runaway health care costs\u003c/a>, experts said.\u003c/p>\n\u003cp>“We’re seeing even larger increases in the private market. It’s worrisome,” said Anthony Wright, executive director of Health Access California, a consumer advocate group. “Individual consumers need health coverage and they need help now.”[pullquote size=\"medium\" align=\"right\" citation=\"Anthony Wright, executive director, Health Access California\"]‘We’re seeing even larger increases in the private market. It’s worrisome. Individual consumers need health coverage and they need help now.’[/pullquote]During the COVID-19 pandemic, an influx of $3 billion from the federal government helped dampen the effect of rising health care costs in California. Covered California premium increases held below 2% between 2020 and 2022.\u003c/p>\n\u003cp>The federal government extended assistance for two more years, but the 2024 increase reflects post-pandemic inflationary pressures, such as \u003ca href=\"https://calmatters.org/health/2023/05/cost-of-insulin/\">higher drug costs\u003c/a>, more people going to see the doctor, labor shortages and wage costs, Altman said.\u003c/p>\n\u003cp>The rate hikes vary by region, with more than one-third of enrollees potentially experiencing a double-digit increase, according to state data. Those who live in Mono, Inyo and Imperial counties may see the largest price increase at 15.8% compared to last year. Those same counties also experienced the \u003ca href=\"https://calmatters.org/health/2022/07/covered-california-rates/\">largest increase last year\u003c/a>.\u003c/p>\n\u003cp>“We’re glad that Covered California has federal and state subsidies to provide immediate help now, but we do need policymakers to double down on containing the costs of health care long-term,” Wright said. “This is a clarion call for the overall cost of health care going forward.”\u003c/p>\n\u003ch2>Covered California waives deductibles for many\u003c/h2>\n\u003cp>Last week, the \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2023/07/california-cost-of-living-3/#wm-story-1\">Covered California board voted\u003c/a> to implement a plan that will make coverage more affordable for about 650,000 enrollees by eliminating their deductibles for the coming year.[aside postID=news_11949192 hero='https://ww2.kqed.org/app/uploads/sites/10/2023/05/IMG_0196-1-1020x765.jpg']The vote capped a \u003ca href=\"https://calmatters.org/health/2023/05/covered-california-cost/\">drawn-out budget battle\u003c/a> between Gov. Gavin Newsom, legislators and health care consumer advocates who have \u003ca href=\"https://calmatters.org/health/2023/02/health-care-costs/\">criticized Newsom\u003c/a> for repeatedly moving money intended for health care subsidies into the state’s general fund.\u003c/p>\n\u003cp>Under the plan, deductibles will be eliminated for individuals earning as much as $33,975 annually and families earning up to $69,375 annually. Previously, people with those plans paid deductibles of up to $5,400. The new plan also significantly reduces out-of-pocket copays for doctor visits and prescription drugs.\u003c/p>\n\u003cp>“Despite the rate increase, Californians who enroll in health care coverage through Covered California will benefit from the greatest level of financial support ever offered … as we head into 2024,” Altman said.\u003c/p>\n\u003ch2>‘Hefty’ health insurance increase\u003c/h2>\n\u003cp>Christine Eibner, a senior economist with the RAND Corporation, a research and policy think tank, called the state’s projected premium increase “hefty.”[aside label='More on Health Care' tag='health-care']“There will be some sliver of people who will have to pay the full cost,” Eibner said. “A lot of people are protected so maybe they don’t care, but who is paying? Ultimately it’s the taxpayer.”\u003c/p>\n\u003cp>A significant number of people who are no longer eligible for Medi-Cal, the state’s public insurance program for individuals with very low-income, also are expected to enroll in Covered California, which could drive future cost increases.\u003c/p>\n\u003cp>“That population is relatively expensive,” Eibner said. “People who are lower income have more health care issues, and bringing them into the market may lead to higher premiums.”\u003c/p>\n\u003cp>The state paused \u003ca href=\"https://calmatters.org/health/2023/07/medi-cal-eligibility-california-review/\">checking people for Medi-Cal eligibility\u003c/a> during the federal COVID-19 public health emergency, but about 225,000 Californians have been kicked off since the state resumed monthly reviews this year. Covered California’s enrollment period runs from November through the end of January.\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"California still offers generous subsidies, but the rate hike signals that runaway health care costs are back after 5 years of low premium increases.","status":"publish","parent":0,"modified":1690400113,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":17,"wordCount":803},"headData":{"title":"'It's Worrisome': Covered California Announces Biggest Increase in Premiums | KQED","description":"California still offers generous subsidies, but the rate hike signals that runaway health care costs are back after 5 years of low premium increases.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"'It's Worrisome': Covered California Announces Biggest Increase in Premiums","datePublished":"2023-07-26T19:35:13.000Z","dateModified":"2023-07-26T19:35:13.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"source":"CalMatters","sourceUrl":"https://calmatters.org/","nprByline":"\u003ca href=\"https://calmatters.org/author/kristen-hwang/\">Kristen Hwang\u003c/a>","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11956545/its-worrisome-covered-california-announces-biggest-increase-in-premiums","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Premiums for health insurance sold through the state marketplace will increase by nearly 10% next year, the highest rate hike since 2018, \u003ca href=\"https://www.coveredca.com/newsroom/news-releases/2023/07/25/\">Covered California officials announced\u003c/a> Tuesday.\u003c/p>\n\u003cp>The projected 9.6% hike is the result of a “complicated time for health care,” Covered California Executive Director Jessica Altman said during a media briefing, but many Californians will be shielded from the increases as a result of federal and state financial assistance.\u003c/p>\n\u003cp>About 90% of enrollees qualify for some type of federal or state financial aid and 20% will see no change in their monthly premium, officials said. About 1.6 million Californians turn to the marketplace for health insurance, which offers plans that cost as little as $10 a month.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The rate increase, however, represents the return of a troubling trend: \u003ca href=\"https://calmatters.org/health/2022/07/rising-health-care-costs/\">runaway health care costs\u003c/a>, experts said.\u003c/p>\n\u003cp>“We’re seeing even larger increases in the private market. It’s worrisome,” said Anthony Wright, executive director of Health Access California, a consumer advocate group. “Individual consumers need health coverage and they need help now.”\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘We’re seeing even larger increases in the private market. It’s worrisome. Individual consumers need health coverage and they need help now.’","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Anthony Wright, executive director, Health Access California","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>During the COVID-19 pandemic, an influx of $3 billion from the federal government helped dampen the effect of rising health care costs in California. Covered California premium increases held below 2% between 2020 and 2022.\u003c/p>\n\u003cp>The federal government extended assistance for two more years, but the 2024 increase reflects post-pandemic inflationary pressures, such as \u003ca href=\"https://calmatters.org/health/2023/05/cost-of-insulin/\">higher drug costs\u003c/a>, more people going to see the doctor, labor shortages and wage costs, Altman said.\u003c/p>\n\u003cp>The rate hikes vary by region, with more than one-third of enrollees potentially experiencing a double-digit increase, according to state data. Those who live in Mono, Inyo and Imperial counties may see the largest price increase at 15.8% compared to last year. Those same counties also experienced the \u003ca href=\"https://calmatters.org/health/2022/07/covered-california-rates/\">largest increase last year\u003c/a>.\u003c/p>\n\u003cp>“We’re glad that Covered California has federal and state subsidies to provide immediate help now, but we do need policymakers to double down on containing the costs of health care long-term,” Wright said. “This is a clarion call for the overall cost of health care going forward.”\u003c/p>\n\u003ch2>Covered California waives deductibles for many\u003c/h2>\n\u003cp>Last week, the \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2023/07/california-cost-of-living-3/#wm-story-1\">Covered California board voted\u003c/a> to implement a plan that will make coverage more affordable for about 650,000 enrollees by eliminating their deductibles for the coming year.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11949192","hero":"https://ww2.kqed.org/app/uploads/sites/10/2023/05/IMG_0196-1-1020x765.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>The vote capped a \u003ca href=\"https://calmatters.org/health/2023/05/covered-california-cost/\">drawn-out budget battle\u003c/a> between Gov. Gavin Newsom, legislators and health care consumer advocates who have \u003ca href=\"https://calmatters.org/health/2023/02/health-care-costs/\">criticized Newsom\u003c/a> for repeatedly moving money intended for health care subsidies into the state’s general fund.\u003c/p>\n\u003cp>Under the plan, deductibles will be eliminated for individuals earning as much as $33,975 annually and families earning up to $69,375 annually. Previously, people with those plans paid deductibles of up to $5,400. The new plan also significantly reduces out-of-pocket copays for doctor visits and prescription drugs.\u003c/p>\n\u003cp>“Despite the rate increase, Californians who enroll in health care coverage through Covered California will benefit from the greatest level of financial support ever offered … as we head into 2024,” Altman said.\u003c/p>\n\u003ch2>‘Hefty’ health insurance increase\u003c/h2>\n\u003cp>Christine Eibner, a senior economist with the RAND Corporation, a research and policy think tank, called the state’s projected premium increase “hefty.”\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"More on Health Care ","tag":"health-care"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>“There will be some sliver of people who will have to pay the full cost,” Eibner said. “A lot of people are protected so maybe they don’t care, but who is paying? Ultimately it’s the taxpayer.”\u003c/p>\n\u003cp>A significant number of people who are no longer eligible for Medi-Cal, the state’s public insurance program for individuals with very low-income, also are expected to enroll in Covered California, which could drive future cost increases.\u003c/p>\n\u003cp>“That population is relatively expensive,” Eibner said. “People who are lower income have more health care issues, and bringing them into the market may lead to higher premiums.”\u003c/p>\n\u003cp>The state paused \u003ca href=\"https://calmatters.org/health/2023/07/medi-cal-eligibility-california-review/\">checking people for Medi-Cal eligibility\u003c/a> during the federal COVID-19 public health emergency, but about 225,000 Californians have been kicked off since the state resumed monthly reviews this year. Covered California’s enrollment period runs from November through the end of January.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11956545/its-worrisome-covered-california-announces-biggest-increase-in-premiums","authors":["byline_news_11956545"],"categories":["news_457","news_8"],"tags":["news_21352","news_18538","news_5164","news_683","news_1054","news_32709"],"affiliates":["news_18481"],"featImg":"news_11956568","label":"source_news_11956545"},"news_11948505":{"type":"posts","id":"news_11948505","meta":{"index":"posts_1591205157","site":"news","id":"11948505","score":null,"sort":[1683291642000]},"guestAuthors":[],"slug":"newsom-breaks-deal-to-lower-price-of-covered-california-lawmakers-move-to-hold-him-to-it","title":"Lawmakers, Newsom Squabble Over Promise to Lower Costs of Covered California","publishDate":1683291642,"format":"standard","headTitle":"Lawmakers, Newsom Squabble Over Promise to Lower Costs of Covered California | KQED","labelTerm":{"term":18481,"site":"news"},"content":"\u003cp>The adage “get it in writing” applies to politics as much as anything else, and it would seem the California Legislature could learn a lesson or two.\u003c/p>\n\u003cp>Legislators and advocates have been pushing Gov. Gavin Newsom since last year to make good on a \u003ca href=\"https://calmatters.org/health/2023/02/health-care-costs/\">longtime promise\u003c/a> to funnel money from a controversial tax penalty into the Covered California marketplace, making health insurance cheaper for nearly 1 million enrollees. The problem — or at least the argument Newsom has always made — is that state statute doesn’t require the penalty money to be used on health care. It goes directly into the general fund — where it has stayed for most of the past four years.[pullquote size=\"medium\" align=\"right\" citation=\"Assemblymember Joaquin Arambula\"]‘I’m trying to make sure that those dollars stay in this area to address affordability, and I’m not hearing from the administration that same commitment.’[/pullquote]\u003c/p>\n\u003cp>But legislators say that’s not what they intended when they voted on the measure in 2019. Senate leadership signaled its intent last week to ensure in writing that the money will “further lower the costs of health coverage for lower- and middle-income Californians” moving forward. The \u003ca href=\"https://sbud.senate.ca.gov/sites/sbud.senate.ca.gov/files/Protect%20Our%20Progress%20Senate%20Budget%20Plan.pdf\">Senate budget proposal rejects Newsom’s plan (PDF)\u003c/a> to temporarily move $333.4 million in penalty money from an affordability reserve to the general fund, calling it a “rip-off” of Covered California funds.\u003c/p>\n\u003cp>“Our plan protects important advancements that California has made that has moved us towards a more equitable and sustainable economy,” Senate Budget Chair \u003ca href=\"https://calmatters.org/legislator-tracker/nancy-skinner-1954/\">Nancy Skinner\u003c/a> said during a press briefing last week.\u003c/p>\n\u003cp>In 2019, Newsom proposed and the Legislature passed a polarizing tax penalty on Californians without health insurance, known as the individual mandate, with verbal assurances that it would be used to lower health care costs for those who have insurance through Covered California, the state version of the Affordable Care Act marketplace. Though \u003ca href=\"https://californiahealthline.org/news/article/health-insurance-mandate-penalties/\">more than $1 billion has been collected in the past four years\u003c/a>, the money has only been used once to lower costs for enrollees, about $355 million in 2020.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The \u003ca href=\"https://sbud.senate.ca.gov/sites/sbud.senate.ca.gov/files/Protect%20Our%20Progress%20Senate%20Budget%20Plan.pdf\">Senate Democrats’ budget proposal (PDF)\u003c/a>, which relies on corporate tax hikes that \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2023/04/california-taxes-budget/\">Newsom swiftly rejected\u003c/a> to avoid a variety of cuts, \u003ca href=\"https://calmatters.org/commentary/2023/05/democrats-at-odds-budget-deficit/\">sets the stage for an intense period of negotiation\u003c/a> between the Legislature and governor as they hash out a state spending plan in the face of diminishing tax revenue. The Senate’s counter proposal would mandate using the money to eliminate deductibles and copays for roughly 900,000 Covered California enrollees next year. It’s one of several health care funding battles heating up amid a bleak budget year, including a fight to infuse emergency cash into \u003ca href=\"https://calmatters.org/health/2023/04/hospital-closures-california/\">hospitals on the brink of closure\u003c/a>.\u003c/p>\n\u003cp>Newsom is expected to disclose later this month an even more dismal financial picture for the state than the \u003ca href=\"https://calmatters.org/california-budget/2023/01/california-budget-newsom-deficit/\">$22.5 billion deficit he projected in his January budget proposal\u003c/a>.\u003c/p>\n\u003cp>In a statement, Brandon Richards, spokesperson for Newsom, said the governor will “continue to work with the California Legislature to develop the final budget package” in the coming months.\u003c/p>\n\u003cp>This is just one step in a long budget negotiation that will stretch to June. If the Senate’s counterproposal makes it into the state’s final budget come summer, leadership intends to end the diversion of penalty money permanently. Notably, Democratic leaders from the Assembly have not endorsed the Senate’s spending plan nor put forth their own proposal, but John Casey, communications director for Assembly Speaker Anthony Rendon, said both houses are interested in the issue.\u003c/p>\n\u003cp>“We’ll see what the May revision includes and the two houses will advance their priorities as best they can in negotiations afterward,” Casey said.\u003c/p>\n\u003ch2>‘A bitter pill’\u003c/h2>\n\u003cp>In recent committee hearings, Assembly and Senate legislators have lambasted this particular proposal in Newsom’s budget.\u003c/p>\n\u003cp>“I’m trying to make sure that those dollars stay in this area to address affordability, and I’m not hearing from the administration that same commitment,” said Assemblymember \u003ca href=\"https://calmatters.org/legislator-tracker/joaquin-arambula-1977/\">Joaquin Arambula\u003c/a>, a Fresno Democrat and chairperson of the Assembly budget subcommittee on health.[aside postID=\"news_11944543,news_11944091\" label=\"Related Posts\"]Sen. \u003ca href=\"https://calmatters.org/legislator-tracker/caroline-menjivar-1989/\">Caroline Menjivar\u003c/a>, a newly elected Democrat from Van Nuys and chairperson of the Senate budget subcommittee on health, criticized the governor’s plan for saving money “on the backs of our low-income communities.”\u003c/p>\n\u003cp>On his first day in office, Newsom proposed reinstating a tax on people without health insurance to fund increased subsidies for people who have Covered California insurance. A previous \u003ca href=\"https://www.cnbc.com/2018/01/30/trump-touts-repeal-of-obamacare-individual-mandate.html\">federal version of the tax had been repealed by the Trump administration\u003c/a> the year prior, which contributed to a \u003ca href=\"https://hbex.coveredca.com/financial-reports/PDFs/2019/fy-2019-20-annual-report-final.pdf\">24% drop in enrollment in Covered California plans (PDF)\u003c/a>.\u003c/p>\n\u003cp>New taxes always trigger a \u003ca href=\"https://www.capradio.org/articles/2019/02/21/californias-individual-mandate-a-fix-for-a-broken-system-or-a-penalty-on-the-poor/\">legislative skirmish\u003c/a>, but this one gave even Democratic lawmakers and powerful advocacy groups pause: Theoretically, the tax would encourage more people to get health insurance, lowering the overall cost for everyone in the marketplace, but the penalty would come out of the pockets of the state’s poorest residents — those who forego insurance because it’s too expensive.\u003c/p>\n\u003cp>The Legislature ultimately approved the tax in 2019 with the understanding that the projected $1.4 billion in revenue over three years would be used to lower insurance costs.\u003c/p>\n\u003cp>The majority of that money, however, has stayed in the state’s general fund. Newsom has previously argued that the federal government’s more generous COVID-19 subsidies, which extend through 2025, render additional state spending unnecessary, especially at a time when California faces a growing deficit.\u003c/p>\n\u003cp>But legislators in both the Senate and the Assembly say that’s not what they voted for.\u003c/p>\n\u003cp>“The individual mandate was not intended to create funds for other government programs outside of health care from my perspective,” Assemblymember \u003ca href=\"https://calmatters.org/legislator-tracker/jim-wood-1960/\">Jim Wood\u003c/a> said during a recent budget subcommittee meeting. “I don’t think I would have supported it if that was the way I thought it would end up.”\u003c/p>\n\u003cp>Wood, a Democrat from Santa Rosa who leads the Assembly Health Committee, called the diversion to the general fund “a bitter pill to swallow.”\u003c/p>\n\u003cp>During the hearing, Department of Finance analyst Matt Aguilera argued using the money to alleviate the deficit would not impact current services under Covered California.\u003c/p>\n\u003cp>“Everybody is concerned about affordability. There’s agreement on that. Just due to the economic situation this may not be a good time to start up new programs,” Aguilera said.\u003c/p>\n\u003cp>But advocates argue using the revenue from the individual mandate penalty wouldn’t be new spending. It would be fulfilling an existing commitment.\u003c/p>\n\u003ch2>Costs keep rising\u003c/h2>\n\u003cp>Last year, in tandem with \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202120220SB944\">a measure to ensure the penalty money no longer got diverted\u003c/a>, the Covered California board approved a plan to eliminate deductibles for the state’s \u003ca href=\"https://www.healthforcalifornia.com/covered-california/plans?gclid=CjwKCAjwxr2iBhBJEiwAdXECw-W0XW5KoSAgoaM1h7Q2V7Khe0nQuGMOs73i3BBK8Mnu7fhFl6vjzRoC-wIQAvD_BwE\">mid-tier coverage option\u003c/a>, which is widely considered the most cost-effective insurance option. When \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2022/09/SB-944-veto-message.pdf?emrc=af81f2\">Newsom vetoed the policy bill (PDF)\u003c/a>, citing a “downturn in revenues,” the plan was abandoned.\u003c/p>\n\u003cp>“Last year this was a priority for everybody: the health plans, business groups, both the Assembly and Senate prioritized it in their budgets, health advocates, Covered California itself. Everybody lined up to support this,” said Rachel Linn Gish, communications director for Health Access California, a consumer advocacy lobbying group. “The only person we didn’t have was the governor.”\u003c/p>\n\u003cp>Instead, \u003ca href=\"https://www.coveredca.com/pdfs/2022-Health-Benefits-table.pdf\">deductibles jumped from $3,700 for an individual and $7,400 for a family with a mid-tier plan (PDF)\u003c/a> to \u003ca href=\"https://www.coveredca.com/pdfs/Health-Benefits-table.pdf\">$4,750 and $9,500, respectively (PDF)\u003c/a>. Health Access is sponsoring \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202320240AB1208\">another measure\u003c/a> this year to ensure money appropriated for Covered California affordability measures is used for that purpose.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://flo.uri.sh/visualisation/12755159/embed?auto=1\" width=\"800\" height=\"550\" scrolling=\"yes\" class=\"iframe-class\" frameborder=\"0\">\u003c/iframe>\u003c/p>\n\u003cp>“One of the most direct and impactful ways we can make sure consumers get health care access right now is by lowering the cost of care,” Linn Gish said. “The 2025 (federal subsidy) sunset was the governor’s main sticking point … but to us, it’s 2023. Why can’t we help people now?”\u003c/p>\n\u003cp>Senate Democrats also rejected delays and cuts to investments in the state’s health care workforce, including a $49.8 million cut to training programs for public health workers. Michelle Gibbons, executive director of the County Health Executives Association of California, said the money was sorely needed after decades of public health budget cuts left the state scrambling to respond to the COVID-19 pandemic.\u003c/p>\n\u003cp>“We can’t even begin to grow the pipeline of microbiologists, lab directors, epidemiologists — very skilled positions — without these programs and investments,” Gibbons said.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>It’s unclear, however, how feasible the Senate Democrats’ proposal is with the state facing an economic downturn. Most of the cuts avoided are funded through a $6 billion proposed corporate tax hike and $5 billion suspension of a major tax credit, which \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2023/04/california-taxes-budget/\">Newsom rejected within hours of the proposal’s release\u003c/a>.\u003c/p>\n\n","blocks":[],"excerpt":"In 2019, Gov. Gavin Newsom proposed and the Legislature approved a tax penalty on Californians without health insurance. That money was supposed to be used to lower costs for those insured through Covered California, but that has only happened once.","status":"publish","parent":0,"modified":1683244203,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":true,"iframeSrcs":["https://flo.uri.sh/visualisation/12755159/embed"],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":32,"wordCount":1536},"headData":{"title":"Lawmakers, Newsom Squabble Over Promise to Lower Costs of Covered California | KQED","description":"In 2019, Gov. Gavin Newsom proposed and the Legislature approved a tax penalty on Californians without health insurance. That money was supposed to be used to lower costs for those insured through Covered California, but that has only happened once.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Lawmakers, Newsom Squabble Over Promise to Lower Costs of Covered California","datePublished":"2023-05-05T13:00:42.000Z","dateModified":"2023-05-04T23:50:03.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"nprByline":"\u003ca href=\"https://calmatters.org/author/kristen-hwang/\">Kristen Hwang\u003c/a>","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11948505/newsom-breaks-deal-to-lower-price-of-covered-california-lawmakers-move-to-hold-him-to-it","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>The adage “get it in writing” applies to politics as much as anything else, and it would seem the California Legislature could learn a lesson or two.\u003c/p>\n\u003cp>Legislators and advocates have been pushing Gov. Gavin Newsom since last year to make good on a \u003ca href=\"https://calmatters.org/health/2023/02/health-care-costs/\">longtime promise\u003c/a> to funnel money from a controversial tax penalty into the Covered California marketplace, making health insurance cheaper for nearly 1 million enrollees. The problem — or at least the argument Newsom has always made — is that state statute doesn’t require the penalty money to be used on health care. It goes directly into the general fund — where it has stayed for most of the past four years.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘I’m trying to make sure that those dollars stay in this area to address affordability, and I’m not hearing from the administration that same commitment.’","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Assemblymember Joaquin Arambula","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>But legislators say that’s not what they intended when they voted on the measure in 2019. Senate leadership signaled its intent last week to ensure in writing that the money will “further lower the costs of health coverage for lower- and middle-income Californians” moving forward. The \u003ca href=\"https://sbud.senate.ca.gov/sites/sbud.senate.ca.gov/files/Protect%20Our%20Progress%20Senate%20Budget%20Plan.pdf\">Senate budget proposal rejects Newsom’s plan (PDF)\u003c/a> to temporarily move $333.4 million in penalty money from an affordability reserve to the general fund, calling it a “rip-off” of Covered California funds.\u003c/p>\n\u003cp>“Our plan protects important advancements that California has made that has moved us towards a more equitable and sustainable economy,” Senate Budget Chair \u003ca href=\"https://calmatters.org/legislator-tracker/nancy-skinner-1954/\">Nancy Skinner\u003c/a> said during a press briefing last week.\u003c/p>\n\u003cp>In 2019, Newsom proposed and the Legislature passed a polarizing tax penalty on Californians without health insurance, known as the individual mandate, with verbal assurances that it would be used to lower health care costs for those who have insurance through Covered California, the state version of the Affordable Care Act marketplace. Though \u003ca href=\"https://californiahealthline.org/news/article/health-insurance-mandate-penalties/\">more than $1 billion has been collected in the past four years\u003c/a>, the money has only been used once to lower costs for enrollees, about $355 million in 2020.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The \u003ca href=\"https://sbud.senate.ca.gov/sites/sbud.senate.ca.gov/files/Protect%20Our%20Progress%20Senate%20Budget%20Plan.pdf\">Senate Democrats’ budget proposal (PDF)\u003c/a>, which relies on corporate tax hikes that \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2023/04/california-taxes-budget/\">Newsom swiftly rejected\u003c/a> to avoid a variety of cuts, \u003ca href=\"https://calmatters.org/commentary/2023/05/democrats-at-odds-budget-deficit/\">sets the stage for an intense period of negotiation\u003c/a> between the Legislature and governor as they hash out a state spending plan in the face of diminishing tax revenue. The Senate’s counter proposal would mandate using the money to eliminate deductibles and copays for roughly 900,000 Covered California enrollees next year. It’s one of several health care funding battles heating up amid a bleak budget year, including a fight to infuse emergency cash into \u003ca href=\"https://calmatters.org/health/2023/04/hospital-closures-california/\">hospitals on the brink of closure\u003c/a>.\u003c/p>\n\u003cp>Newsom is expected to disclose later this month an even more dismal financial picture for the state than the \u003ca href=\"https://calmatters.org/california-budget/2023/01/california-budget-newsom-deficit/\">$22.5 billion deficit he projected in his January budget proposal\u003c/a>.\u003c/p>\n\u003cp>In a statement, Brandon Richards, spokesperson for Newsom, said the governor will “continue to work with the California Legislature to develop the final budget package” in the coming months.\u003c/p>\n\u003cp>This is just one step in a long budget negotiation that will stretch to June. If the Senate’s counterproposal makes it into the state’s final budget come summer, leadership intends to end the diversion of penalty money permanently. Notably, Democratic leaders from the Assembly have not endorsed the Senate’s spending plan nor put forth their own proposal, but John Casey, communications director for Assembly Speaker Anthony Rendon, said both houses are interested in the issue.\u003c/p>\n\u003cp>“We’ll see what the May revision includes and the two houses will advance their priorities as best they can in negotiations afterward,” Casey said.\u003c/p>\n\u003ch2>‘A bitter pill’\u003c/h2>\n\u003cp>In recent committee hearings, Assembly and Senate legislators have lambasted this particular proposal in Newsom’s budget.\u003c/p>\n\u003cp>“I’m trying to make sure that those dollars stay in this area to address affordability, and I’m not hearing from the administration that same commitment,” said Assemblymember \u003ca href=\"https://calmatters.org/legislator-tracker/joaquin-arambula-1977/\">Joaquin Arambula\u003c/a>, a Fresno Democrat and chairperson of the Assembly budget subcommittee on health.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11944543,news_11944091","label":"Related Posts "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Sen. \u003ca href=\"https://calmatters.org/legislator-tracker/caroline-menjivar-1989/\">Caroline Menjivar\u003c/a>, a newly elected Democrat from Van Nuys and chairperson of the Senate budget subcommittee on health, criticized the governor’s plan for saving money “on the backs of our low-income communities.”\u003c/p>\n\u003cp>On his first day in office, Newsom proposed reinstating a tax on people without health insurance to fund increased subsidies for people who have Covered California insurance. A previous \u003ca href=\"https://www.cnbc.com/2018/01/30/trump-touts-repeal-of-obamacare-individual-mandate.html\">federal version of the tax had been repealed by the Trump administration\u003c/a> the year prior, which contributed to a \u003ca href=\"https://hbex.coveredca.com/financial-reports/PDFs/2019/fy-2019-20-annual-report-final.pdf\">24% drop in enrollment in Covered California plans (PDF)\u003c/a>.\u003c/p>\n\u003cp>New taxes always trigger a \u003ca href=\"https://www.capradio.org/articles/2019/02/21/californias-individual-mandate-a-fix-for-a-broken-system-or-a-penalty-on-the-poor/\">legislative skirmish\u003c/a>, but this one gave even Democratic lawmakers and powerful advocacy groups pause: Theoretically, the tax would encourage more people to get health insurance, lowering the overall cost for everyone in the marketplace, but the penalty would come out of the pockets of the state’s poorest residents — those who forego insurance because it’s too expensive.\u003c/p>\n\u003cp>The Legislature ultimately approved the tax in 2019 with the understanding that the projected $1.4 billion in revenue over three years would be used to lower insurance costs.\u003c/p>\n\u003cp>The majority of that money, however, has stayed in the state’s general fund. Newsom has previously argued that the federal government’s more generous COVID-19 subsidies, which extend through 2025, render additional state spending unnecessary, especially at a time when California faces a growing deficit.\u003c/p>\n\u003cp>But legislators in both the Senate and the Assembly say that’s not what they voted for.\u003c/p>\n\u003cp>“The individual mandate was not intended to create funds for other government programs outside of health care from my perspective,” Assemblymember \u003ca href=\"https://calmatters.org/legislator-tracker/jim-wood-1960/\">Jim Wood\u003c/a> said during a recent budget subcommittee meeting. “I don’t think I would have supported it if that was the way I thought it would end up.”\u003c/p>\n\u003cp>Wood, a Democrat from Santa Rosa who leads the Assembly Health Committee, called the diversion to the general fund “a bitter pill to swallow.”\u003c/p>\n\u003cp>During the hearing, Department of Finance analyst Matt Aguilera argued using the money to alleviate the deficit would not impact current services under Covered California.\u003c/p>\n\u003cp>“Everybody is concerned about affordability. There’s agreement on that. Just due to the economic situation this may not be a good time to start up new programs,” Aguilera said.\u003c/p>\n\u003cp>But advocates argue using the revenue from the individual mandate penalty wouldn’t be new spending. It would be fulfilling an existing commitment.\u003c/p>\n\u003ch2>Costs keep rising\u003c/h2>\n\u003cp>Last year, in tandem with \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202120220SB944\">a measure to ensure the penalty money no longer got diverted\u003c/a>, the Covered California board approved a plan to eliminate deductibles for the state’s \u003ca href=\"https://www.healthforcalifornia.com/covered-california/plans?gclid=CjwKCAjwxr2iBhBJEiwAdXECw-W0XW5KoSAgoaM1h7Q2V7Khe0nQuGMOs73i3BBK8Mnu7fhFl6vjzRoC-wIQAvD_BwE\">mid-tier coverage option\u003c/a>, which is widely considered the most cost-effective insurance option. When \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2022/09/SB-944-veto-message.pdf?emrc=af81f2\">Newsom vetoed the policy bill (PDF)\u003c/a>, citing a “downturn in revenues,” the plan was abandoned.\u003c/p>\n\u003cp>“Last year this was a priority for everybody: the health plans, business groups, both the Assembly and Senate prioritized it in their budgets, health advocates, Covered California itself. Everybody lined up to support this,” said Rachel Linn Gish, communications director for Health Access California, a consumer advocacy lobbying group. “The only person we didn’t have was the governor.”\u003c/p>\n\u003cp>Instead, \u003ca href=\"https://www.coveredca.com/pdfs/2022-Health-Benefits-table.pdf\">deductibles jumped from $3,700 for an individual and $7,400 for a family with a mid-tier plan (PDF)\u003c/a> to \u003ca href=\"https://www.coveredca.com/pdfs/Health-Benefits-table.pdf\">$4,750 and $9,500, respectively (PDF)\u003c/a>. Health Access is sponsoring \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202320240AB1208\">another measure\u003c/a> this year to ensure money appropriated for Covered California affordability measures is used for that purpose.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://flo.uri.sh/visualisation/12755159/embed?auto=1\" width=\"800\" height=\"550\" scrolling=\"yes\" class=\"iframe-class\" frameborder=\"0\">\u003c/iframe>\u003c/p>\n\u003cp>“One of the most direct and impactful ways we can make sure consumers get health care access right now is by lowering the cost of care,” Linn Gish said. “The 2025 (federal subsidy) sunset was the governor’s main sticking point … but to us, it’s 2023. Why can’t we help people now?”\u003c/p>\n\u003cp>Senate Democrats also rejected delays and cuts to investments in the state’s health care workforce, including a $49.8 million cut to training programs for public health workers. Michelle Gibbons, executive director of the County Health Executives Association of California, said the money was sorely needed after decades of public health budget cuts left the state scrambling to respond to the COVID-19 pandemic.\u003c/p>\n\u003cp>“We can’t even begin to grow the pipeline of microbiologists, lab directors, epidemiologists — very skilled positions — without these programs and investments,” Gibbons said.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>It’s unclear, however, how feasible the Senate Democrats’ proposal is with the state facing an economic downturn. Most of the cuts avoided are funded through a $6 billion proposed corporate tax hike and $5 billion suspension of a major tax credit, which \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2023/04/california-taxes-budget/\">Newsom rejected within hours of the proposal’s release\u003c/a>.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11948505/newsom-breaks-deal-to-lower-price-of-covered-california-lawmakers-move-to-hold-him-to-it","authors":["byline_news_11948505"],"categories":["news_8"],"tags":["news_5164","news_25015","news_32706","news_1054"],"affiliates":["news_18481"],"featImg":"news_11948560","label":"news_18481"},"news_11857919":{"type":"posts","id":"news_11857919","meta":{"index":"posts_1591205157","site":"news","id":"11857919","score":null,"sort":[1612114667000]},"guestAuthors":[],"slug":"covered-california-deadline-for-2021-health-insurance-extended","title":"Covered California Deadline for 2021 Health Insurance Extended","publishDate":1612114667,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>\u003ca href=\"https://www.coveredca.com/newsroom/news-releases/2021/01/28/california-joins-president-biden-in-responding-to-covid-19-pandemic-by-announcing-special-enrollment-to-help-people-get-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">Covered California\u003c/a> says it will give people more time to purchase health insurance this year.\u003c/p>\n\u003cp>Open enrollment for the state’s health insurance marketplace was set to end Sunday. But on Thursday, the agency that runs the marketplace said it would launch a \u003ca href=\"https://www.coveredca.com/pdfs/01-28-21-CoveredCA-COVID-19-SEP-Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">special enrollment period Feb. 1 that will run through May 15.\u003c/a>\u003c/p>\n\u003cp>The federal Affordable Care Act created health insurance marketplaces for some people to purchase individual insurance plans with the help of federal subsidies. Most states let the federal government run their marketplaces for them but California runs its own through Covered California. [aside tag=\"aca, health\" label=\"More Related Stories\"]\u003c/p>\n\u003cp>The announcement came on the same day that President Biden signed an executive order declaring a special enrollment period for states served by the federal marketplace.\u003c/p>\n\u003cp>In a news release, Covered California said of the estimated 2.7 million Californians who lack health insurance, about 1.2 million are either eligible for subsidies to help pay their monthly premiums or qualify for government-funded insurance through Medicaid.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Earlier this month, Covered California said nearly 1.6 million people had purchased health insurance through the marketplace.\u003c/p>\n\n","blocks":[],"excerpt":"Open enrollment for the state’s health insurance marketplace was set to end Sunday. But on Thursday, the agency that runs the marketplace said it would launch a special enrollment period Feb. 1 that will run through May 15.","status":"publish","parent":0,"modified":1612205952,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":8,"wordCount":192},"headData":{"title":"Covered California Deadline for 2021 Health Insurance Extended | KQED","description":"Open enrollment for the state’s health insurance marketplace was set to end Sunday. But on Thursday, the agency that runs the marketplace said it would launch a special enrollment period Feb. 1 that will run through May 15.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Covered California Deadline for 2021 Health Insurance Extended","datePublished":"2021-01-31T17:37:47.000Z","dateModified":"2021-02-01T18:59:12.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11857919 https://ww2.kqed.org/news/?p=11857919","disqusUrl":"https://ww2.kqed.org/news/2021/01/31/covered-california-deadline-for-2021-health-insurance-extended/","disqusTitle":"Covered California Deadline for 2021 Health Insurance Extended","nprByline":"Associated Press","path":"/news/11857919/covered-california-deadline-for-2021-health-insurance-extended","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003ca href=\"https://www.coveredca.com/newsroom/news-releases/2021/01/28/california-joins-president-biden-in-responding-to-covid-19-pandemic-by-announcing-special-enrollment-to-help-people-get-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">Covered California\u003c/a> says it will give people more time to purchase health insurance this year.\u003c/p>\n\u003cp>Open enrollment for the state’s health insurance marketplace was set to end Sunday. But on Thursday, the agency that runs the marketplace said it would launch a \u003ca href=\"https://www.coveredca.com/pdfs/01-28-21-CoveredCA-COVID-19-SEP-Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">special enrollment period Feb. 1 that will run through May 15.\u003c/a>\u003c/p>\n\u003cp>The federal Affordable Care Act created health insurance marketplaces for some people to purchase individual insurance plans with the help of federal subsidies. Most states let the federal government run their marketplaces for them but California runs its own through Covered California. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"aca, health","label":"More Related Stories "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The announcement came on the same day that President Biden signed an executive order declaring a special enrollment period for states served by the federal marketplace.\u003c/p>\n\u003cp>In a news release, Covered California said of the estimated 2.7 million Californians who lack health insurance, about 1.2 million are either eligible for subsidies to help pay their monthly premiums or qualify for government-funded insurance through Medicaid.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Earlier this month, Covered California said nearly 1.6 million people had purchased health insurance through the marketplace.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11857919/covered-california-deadline-for-2021-health-insurance-extended","authors":["byline_news_11857919"],"categories":["news_457","news_8"],"tags":["news_20578","news_5164","news_1054","news_29108"],"featImg":"news_11857920","label":"news"},"news_11807676":{"type":"posts","id":"news_11807676","meta":{"index":"posts_1591205157","site":"news","id":"11807676","score":null,"sort":[1584723709000]},"guestAuthors":[],"slug":"covered-california-opens-special-enrollment-period-in-wake-of-coronavirus-crisis","title":"Covered California Opens Special Enrollment Period in Response to Coronavirus Crisis","publishDate":1584723709,"format":"standard","headTitle":"The California Report | KQED News","labelTerm":{},"content":"\u003cp>California health officials are now allowing anyone who lost a job or work hours because of business closures related to the coronavirus to sign up for health insurance, making it the seventh state to do so.\u003c/p>\n\u003cp>Earlier this week, 80,000 Californians filed for unemployment in one day – the normal rate is 2,000 a day – and many of them lost their health coverage along with their jobs. Officials at Covered California, the state’s Affordable Care Act marketplace, are expecting hundreds of thousands of people to seek coverage due to job loss through the course of the pandemic.\u003c/p>\n\u003cp>“We think there’s so much fear, so much confusion that we need to step up,” said Peter Lee, executive director of Covered California, in announcing the new special enrollment period that will last through June. “If we need to extend it after that, we will.”\u003c/p>\n\u003cp>More broadly, experts believe the collision of a global health pandemic with an economic downturn will be a stress test for the Affordable Care Act, with favorability likely to grow as more people need and use it. Monday marks 10 years since the health reforms were signed into law.\u003c/p>\n\u003cp>“This will be the first recession since the Affordable Care Act went into place,” said Larry Levitt, a health policy expert at the Kaiser Family Foundation. “There’s a safety net for people who lose employer-based insurance that never existed in previous recessions.”\u003c/p>\n\u003cp>California has various protections in place for people who may find themselves in need of a new plan or struggling to pay their premiums.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003cstrong>How do I get coverage if I lost my job?\u003c/strong>\u003cbr>\nStart with Covered California. If you’ve lost your job and have no income, most likely you will qualify for free or low-cost coverage through Medi-Cal, the state’s insurance program for low-income Californians. If you lost hours at work and are earning less money, you may qualify for a subsidy to help you pay for a new plan; if you already have a plan through Covered California, you will likely qualify for additional financial aid.\u003c/p>\n\u003cp>Even if you didn’t have insurance when you were employed, you can still buy a new plan now. Previously, only people who lost a health plan after losing their job could sign up through the individual marketplace anytime. During the special enrollment period, anyone can sign up.\u003c/p>\n\u003cp>\u003cstrong>What if I have a health plan but I miss a payment?\u003c/strong>\u003cbr>\nCalifornia and most other states have a three-month grace period on paying health premiums. If you miss a monthly payment, your insurer will continue to pay your health care bills. If you miss a second or third payment, your insurer can stop paying claims, but can’t cancel your coverage. You have three months to catch up on your payments.\u003c/p>\n\u003cp>[aside label=\"Coronavirus Coverage\" tag=\"coronavirus\"]\u003c/p>\n\u003cp>\u003cstrong>If I get the coronavirus, will I be facing a big medical bill?\u003c/strong>\u003cbr>\nCalifornia regulators now require insurers to cover the complete cost of testing for the virus, so no copays for consumers. On the other hand, experts estimate the cost of a hospital stay for coronavirus is about $20,000. If you’re insured, out-of-pocket costs are an estimated $1,300. But if you have a high-deductible plan, which a lot of people do, you may be required to pay the maximum annual out-of-pocket cost, which is $6,000 in California.\u003c/p>\n\u003cp>Still, Levitt points out, that’s better than having no insurance.\u003c/p>\n\u003cp>“We’re hearing stories out of Italy, of hospitals needing to ration care,” Levitt said. “We’re not hearing stories of people getting enormous hospital bills in the mail and we are going to see those stories here.”\u003c/p>\n\u003cp>\u003cstrong>Is this outbreak going to bankrupt the health insurance industry?\u003c/strong>\u003cbr>\nHealth insurance companies are very concerned about the costs they are facing in this pandemic, says Peter Lee. They are required to spend 80% of their revenues on patient care, so they’re operating on slim profit margins. Companies may be able to offset some of the costs of coronavirus treatment because they won’t have to pay for many elective surgeries that have been canceled. But insurers are already looking to Congress and federal officials for financial help, just like the airlines industry.\u003c/p>\n\u003cp>\u003cstrong>Will my premiums go up next year?\u003c/strong>\u003cbr>\nProbably. It all depends on how many people become severely ill from the virus. If the costs are extreme and insurers see their financial reserves dwindle, they are allowed to raise premiums the following year to refill them.\u003c/p>\n\u003cp>\u003cstrong>What could this mean for the political future of the Affordable Care Act?\u003c/strong>\u003cbr>\nWhile public sentiment toward the health law was generally low in the early years, that changed when Republicans tried to repeal it in 2017. Millions of Americans had come to depend on its protections, and experts believe millions more will come to benefit from it this year.\u003c/p>\n\u003cp>“Americans are historically ambivalent about government,” said Jonathan Oberlander, a political science professor at the University of North Carolina-Chapel Hill. “In times of desperation, they’re not afraid to embrace high doses of government intervention.”\u003c/p>\n\u003cp>Similarly, Oberlander believes the Supreme Court will be very unlikely to strike down the law in the case currently before it. “It is unimaginable to me that the court will rule that the Affordable Care Act is unconstitutional and throw out the law in the middle of this pandemic,” he said. “That would devastate the legitimacy of the Supreme Court, and the human toll of that decision would be awful.”\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"As the Affordable Care Act approaches its 10-year anniversary, it faces its biggest stress test yet, as millions of Americans lose jobs - and their health insurance - in the middle of a global health pandemic. ","status":"publish","parent":0,"modified":1587494873,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":20,"wordCount":967},"headData":{"title":"Covered California Opens Special Enrollment Period in Response to Coronavirus Crisis | KQED","description":"Californians who have lost a job or work hours because of coronavirus closures will be allowed to sign up for the state's Affordable Care Act marketplace.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Covered California Opens Special Enrollment Period in Response to Coronavirus Crisis","datePublished":"2020-03-20T17:01:49.000Z","dateModified":"2020-04-21T18:47:53.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11807676 https://ww2.kqed.org/news/?p=11807676","disqusUrl":"https://ww2.kqed.org/news/2020/03/20/covered-california-opens-special-enrollment-period-in-wake-of-coronavirus-crisis/","disqusTitle":"Covered California Opens Special Enrollment Period in Response to Coronavirus Crisis","source":"Coronavirus","sourceUrl":"https://www.kqed.org/coronavirus","path":"/news/11807676/covered-california-opens-special-enrollment-period-in-wake-of-coronavirus-crisis","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>California health officials are now allowing anyone who lost a job or work hours because of business closures related to the coronavirus to sign up for health insurance, making it the seventh state to do so.\u003c/p>\n\u003cp>Earlier this week, 80,000 Californians filed for unemployment in one day – the normal rate is 2,000 a day – and many of them lost their health coverage along with their jobs. Officials at Covered California, the state’s Affordable Care Act marketplace, are expecting hundreds of thousands of people to seek coverage due to job loss through the course of the pandemic.\u003c/p>\n\u003cp>“We think there’s so much fear, so much confusion that we need to step up,” said Peter Lee, executive director of Covered California, in announcing the new special enrollment period that will last through June. “If we need to extend it after that, we will.”\u003c/p>\n\u003cp>More broadly, experts believe the collision of a global health pandemic with an economic downturn will be a stress test for the Affordable Care Act, with favorability likely to grow as more people need and use it. Monday marks 10 years since the health reforms were signed into law.\u003c/p>\n\u003cp>“This will be the first recession since the Affordable Care Act went into place,” said Larry Levitt, a health policy expert at the Kaiser Family Foundation. “There’s a safety net for people who lose employer-based insurance that never existed in previous recessions.”\u003c/p>\n\u003cp>California has various protections in place for people who may find themselves in need of a new plan or struggling to pay their premiums.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cstrong>How do I get coverage if I lost my job?\u003c/strong>\u003cbr>\nStart with Covered California. If you’ve lost your job and have no income, most likely you will qualify for free or low-cost coverage through Medi-Cal, the state’s insurance program for low-income Californians. If you lost hours at work and are earning less money, you may qualify for a subsidy to help you pay for a new plan; if you already have a plan through Covered California, you will likely qualify for additional financial aid.\u003c/p>\n\u003cp>Even if you didn’t have insurance when you were employed, you can still buy a new plan now. Previously, only people who lost a health plan after losing their job could sign up through the individual marketplace anytime. During the special enrollment period, anyone can sign up.\u003c/p>\n\u003cp>\u003cstrong>What if I have a health plan but I miss a payment?\u003c/strong>\u003cbr>\nCalifornia and most other states have a three-month grace period on paying health premiums. If you miss a monthly payment, your insurer will continue to pay your health care bills. If you miss a second or third payment, your insurer can stop paying claims, but can’t cancel your coverage. You have three months to catch up on your payments.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Coronavirus Coverage ","tag":"coronavirus"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cstrong>If I get the coronavirus, will I be facing a big medical bill?\u003c/strong>\u003cbr>\nCalifornia regulators now require insurers to cover the complete cost of testing for the virus, so no copays for consumers. On the other hand, experts estimate the cost of a hospital stay for coronavirus is about $20,000. If you’re insured, out-of-pocket costs are an estimated $1,300. But if you have a high-deductible plan, which a lot of people do, you may be required to pay the maximum annual out-of-pocket cost, which is $6,000 in California.\u003c/p>\n\u003cp>Still, Levitt points out, that’s better than having no insurance.\u003c/p>\n\u003cp>“We’re hearing stories out of Italy, of hospitals needing to ration care,” Levitt said. “We’re not hearing stories of people getting enormous hospital bills in the mail and we are going to see those stories here.”\u003c/p>\n\u003cp>\u003cstrong>Is this outbreak going to bankrupt the health insurance industry?\u003c/strong>\u003cbr>\nHealth insurance companies are very concerned about the costs they are facing in this pandemic, says Peter Lee. They are required to spend 80% of their revenues on patient care, so they’re operating on slim profit margins. Companies may be able to offset some of the costs of coronavirus treatment because they won’t have to pay for many elective surgeries that have been canceled. But insurers are already looking to Congress and federal officials for financial help, just like the airlines industry.\u003c/p>\n\u003cp>\u003cstrong>Will my premiums go up next year?\u003c/strong>\u003cbr>\nProbably. It all depends on how many people become severely ill from the virus. If the costs are extreme and insurers see their financial reserves dwindle, they are allowed to raise premiums the following year to refill them.\u003c/p>\n\u003cp>\u003cstrong>What could this mean for the political future of the Affordable Care Act?\u003c/strong>\u003cbr>\nWhile public sentiment toward the health law was generally low in the early years, that changed when Republicans tried to repeal it in 2017. Millions of Americans had come to depend on its protections, and experts believe millions more will come to benefit from it this year.\u003c/p>\n\u003cp>“Americans are historically ambivalent about government,” said Jonathan Oberlander, a political science professor at the University of North Carolina-Chapel Hill. “In times of desperation, they’re not afraid to embrace high doses of government intervention.”\u003c/p>\n\u003cp>Similarly, Oberlander believes the Supreme Court will be very unlikely to strike down the law in the case currently before it. “It is unimaginable to me that the court will rule that the Affordable Care Act is unconstitutional and throw out the law in the middle of this pandemic,” he said. “That would devastate the legitimacy of the Supreme Court, and the human toll of that decision would be awful.”\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11807676/covered-california-opens-special-enrollment-period-in-wake-of-coronavirus-crisis","authors":["3205"],"programs":["news_72"],"categories":["news_457","news_8"],"tags":["news_2409","news_18538","news_27350","news_5164","news_27504","news_27626","news_1054","news_27808"],"featImg":"news_11807686","label":"source_news_11807676"},"news_11721611":{"type":"posts","id":"news_11721611","meta":{"index":"posts_1591205157","site":"news","id":"11721611","score":null,"sort":[1548712897000]},"guestAuthors":[],"slug":"middle-class-californians-heres-whats-in-gov-newsoms-budget-for-you","title":"Middle-Class Californians: Here’s What’s in Gov. Newsom’s Budget for You","publishDate":1548712897,"format":"standard","headTitle":"The California Dream | The California Report | KQED News","labelTerm":{},"content":"\u003cp>California’s middle class is reaching a breaking point. Especially when it comes to the high cost of housing. So says the state’s new governor, Gavin Newsom.\u003c/p>\n\u003cp>“Housing. This is the issue,” Newsom said at a press conference earlier this month, unveiling his \u003ca href=\"http://www.ebudget.ca.gov/FullBudgetSummary.pdf\" target=\"_blank\" rel=\"noopener\">first budget proposal as governor\u003c/a>. “Unless we get serious about it, this state will continue to lose its middle class, and the dream will be limited to fewer and fewer people.”\u003c/p>\n\u003cp>Middle-class Californians could find some relief under Newsom’s $209 billion budget, which includes new spending aimed at getting cities to approve more housing. Other proposals could bring down the cost of health care and higher education for Californians who currently make too much to qualify for state help.\u003c/p>\n\u003cp>But middle-class California families won’t find much help shouldering other expenses, like the looming cost of caring for aging family members.\u003c/p>\n\u003cp>What does “middle-class” even mean in California?\u003c/p>\n\u003cp>In a state where families of four earning up to $117,400 meet the federal government’s definition of “low-income” in \u003ca href=\"https://www.nytimes.com/2018/06/30/us/bay-area-housing-market.html\" target=\"_blank\" rel=\"noopener\">certain regions\u003c/a>, there may be no definitive answer on what qualifies as “middle-class.”\u003c/p>\n\u003cp>But according to a recent \u003ca href=\"http://www.pewresearch.org/fact-tank/2018/09/06/the-american-middle-class-is-stable-in-size-but-losing-ground-financially-to-upper-income-families/\" target=\"_blank\" rel=\"noopener\">Pew Research Center analysis\u003c/a> of government wage data, families of four in California can be considered middle-class if they make anywhere between $59,702 and $179,105 per year.\u003c/p>\n\u003cp>Direct subsidies in the governor’s budget tend to go toward Californians making less. Newsom noted that no state has a higher \u003ca href=\"https://laist.com/2018/09/12/california_still_has_the_nations_highest_poverty_rate_blame_housing_costs.php\" target=\"_blank\" rel=\"noopener\">poverty rate\u003c/a> than California. He wants to try to lower it by giving higher tax refunds to full-time workers earning up to $15 an hour through an expanded version of the state’s earned income tax credit.\u003c/p>\n\u003cp>He’s also proposing a large boost in spending to subsidize the development of affordable housing for low-income residents. His budget calls for increasing the state’s low-income housing tax credit from $80 million to $500 million per year.\u003c/p>\n\u003cp>The budget also includes a $500-million bump to the California Housing Finance Agency’s mixed‑income loan program, which finances developments that include units for moderate-income residents.\u003c/p>\n\u003cp>https://www.youtube.com/embed/SrWC9XnKPKI?start=3865\u003c/p>\n\u003ch3>Housing\u003c/h3>\n\u003cp>The governor’s budget doesn’t propose similar housing subsidies for most middle-class Californians. Matthew Lewis, director of communications for the pro-housing group \u003ca href=\"https://cayimby.org/about/\" target=\"_blank\" rel=\"noopener\">California YIMBY\u003c/a>, said that approach makes sense.\u003c/p>\n\u003cp>“As a matter of policy, you don’t provide subsidies to people who are making over $80,000 a year,” said Lewis. “But in California, that's the middle class.”\u003c/p>\n\u003cp>Lewis doesn’t think Newsom can subsidize his way toward a solution to the state’s housing crisis. Instead, he and other housing advocates like what Newsom’s budget does to push local governments to approve more housing in general.\u003c/p>\n\u003cp>“It appears that Governor Newsom is himself a YIMBY,” said Lewis.\u003c/p>\n\u003cp>Under Newsom’s budget, cities that meet housing goals set by the state would be rewarded with money from a $500 million state fund, and they could use that money for whatever they want.\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch3>\u003ca href=\"https://www.kqed.org/news/11719937/controversial-bay-area-housing-plan-heads-to-state-legislature\">Controversial Bay Area Housing Plan Heads to State Legislature\u003c/a>\u003c/h3>\n\u003cfigure>\u003ca href=\"https://www.kqed.org/news/11719937/controversial-bay-area-housing-plan-heads-to-state-legislature\">\u003cimg src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/01/GettyImages-1046169802-1020x680.jpg\" alt=\"\">\u003c/a>\u003c/figure>\n\u003c/aside>\n\u003cp>“In other words, he’s starting to build funds that would actually financially encourage cities to build more housing,” said \u003ca href=\"https://beaconecon.com/people/bio/christopher_thornberg\" target=\"_blank\" rel=\"noopener\">Chris Thornberg of Beacon Economics\u003c/a>. He said that should help address California’s housing supply problems. “That’s really helpful for California's middle class.”\u003c/p>\n\u003cp>Newsom has also discussed punishing cities that fail to meet their housing goals by withholding transit funding. It’s an idea that has not gone over well with local governments.\u003c/p>\n\u003cp>In \u003ca href=\"http://www.cacities.org/Top/News/Press-Releases/2019/League-of-California-Cities-Issues-Statement-on-Go\">a statement\u003c/a> on the governor’s budget, League of California Cities executive director Carolyn Coleman said her organization was concerned about proposals “that would raid local transportation funds that voters have repeatedly dedicated to local communities.”\u003c/p>\n\u003ch3>Health Care\u003c/h3>\n\u003cp>The words “middle-class” only appear once in Newsom’s \u003ca href=\"http://www.ebudget.ca.gov/FullBudgetSummary.pdf\" target=\"_blank\" rel=\"noopener\">280-page budget proposal\u003c/a>. They show up under his plan to expand health care subsidies.\u003c/p>\n\u003cp>One Californian encouraged by that move is Heather Altman. She works as an environmental consultant out of her home in Long Beach. She gets to be her own boss, and she makes decent money.\u003c/p>\n\u003cp>“I guess I do consider myself middle class,” Altman said.\u003c/p>\n\u003cp>She would not have started her business back in 2014 without Obamacare. It meant she could finally afford her own health insurance. She no longer needed to get it through an employer. She has asthma, a pre-existing condition that made individual coverage unaffordable in the past.\u003c/p>\n\u003cp>Back in 2014, “My premium was $356 for a platinum plan,” Altman said. “I thought that was super affordable.”\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch3>\u003ca href=\"https://www.kqed.org/news/11716531/newsoms-first-act-as-governor-expanding-health-coverage\">Newsom's First Act as Governor? Expanding Health Coverage\u003c/a>\u003c/h3>\n\u003cfigure>\u003ca href=\"https://www.kqed.org/news/11716531/newsoms-first-act-as-governor-expanding-health-coverage\">\u003cimg src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/01/NewsomInaugWaving-1020x691.jpg\" alt=\"\">\u003c/a>\u003c/figure>\n\u003c/aside>\n\u003cp>Premiums for the same plan have more than doubled, to $761 per month. Altman has switched to a plan with a lower premium. But add in the routine costs of treating her asthma, and she’s spending more than $800 a month.\u003c/p>\n\u003cp>“That’s very difficult to budget,” Altman said. “And it certainly isn’t sustainable.”\u003c/p>\n\u003cp>Currently, individuals who earn up to $48,560 a year are eligible for \u003ca href=\"https://www.healthforcalifornia.com/covered-california/income-limits\" target=\"_blank\" rel=\"noopener\">subsidized premiums\u003c/a> through Covered California. Altman makes too much to qualify. But Newsom’s budget calls for raising annual income limits for individuals to $72,840 and for families of four to $150,600.\u003c/p>\n\u003cp>“Had that subsidy bracket been in place when I started my business, there would have been years that I would have qualified,” Altman said. “I’m hopeful that some of these changes may make a meaningful difference in my financial bottom line.”\u003c/p>\n\u003cp>\u003cimg class=\"alignnone size-medium wp-image-11721624\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/01/Healthcare-Subsidies-chart-800x618.jpg\" alt=\"\" width=\"800\" height=\"618\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/01/Healthcare-Subsidies-chart-800x618.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/01/Healthcare-Subsidies-chart-160x124.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/01/Healthcare-Subsidies-chart-1020x788.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/01/Healthcare-Subsidies-chart-1200x927.jpg 1200w, https://ww2.kqed.org/app/uploads/sites/10/2019/01/Healthcare-Subsidies-chart.jpg 1650w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003c/p>\n\u003cp>Altman has shared her story with the advocacy organization \u003ca href=\"https://health-access.org/about-us/staff/\" target=\"_blank\" rel=\"noopener\">Health Access California\u003c/a>. Executive director Anthony Wright said Newsom’s budget is promising for Californians like her.\u003c/p>\n\u003cp>“Current law has cliffs where the assistance runs out,” Wright said. “The extra help will allow some families to get coverage that otherwise couldn’t afford it.”\u003c/p>\n\u003cp>Newsom plans to pay for the expanded subsidies by creating a state version of the Affordable Care Act’s federal mandate to either buy health insurance or pay a tax penalty (which has gone to $0 under the Trump administration).\u003c/p>\n\u003cp>In \u003ca href=\"https://lao.ca.gov/Publications/Report/3916?utm_source=laowww&utm_medium=email&utm_campaign=3916\" target=\"_blank\" rel=\"noopener\">a report\u003c/a> on the governor’s budget, the California Legislative Analyst’s Office notes that this approach could create a funding conflict. If the state tax penalty works, it should drive more people to buy insurance. But then, “less funding would be available for premium subsidies.”\u003c/p>\n\u003ch3>College\u003c/h3>\n\u003cp>Higher education is another big drain on middle-class budgets. Newsom’s budget calls for a tuition freeze at state universities, earmarking $300 million for the California State University system and $240 million for the University of California system each year.\u003c/p>\n\u003cp>University of Southern California professor of sociology \u003ca href=\"https://dornsife.usc.edu/pere/pastor/\" target=\"_blank\" rel=\"noopener\">Manuel Pastor\u003c/a> said middle-class families could also get a break under Newsom’s $40 million plan to make a second year of community college tuition-free.\u003c/p>\n\u003cp>“If you can make the first and second year free, you’re lowering the cost for a lot of middle class parents of a four-year education,” Pastor said.\u003c/p>\n\u003ch3>The Cost of Caring for Family Members, Young and Old\u003c/h3>\n\u003cp>Universal preschool and six months of paid family leave for parents are still on Newsom’s agenda. But this budget won’t pay for those goals.\u003c/p>\n\u003cp>Stanford University assistant professor of health research and policy \u003ca href=\"https://web.stanford.edu/~mrossin/\" target=\"_blank\" rel=\"noopener\">Maya Rossin-Slater\u003c/a> said California’s existing paid family leave law could be strengthened. Right now, many parents don’t use it.\u003c/p>\n\u003cp>Her research \u003ca href=\"https://web.stanford.edu/~mrossin/AKMdraft_Oct2018.pdf\" target=\"_blank\" rel=\"noopener\">shows California workers\u003c/a> at smaller, lower-paying companies are less likely to take paid family leave than higher-paid workers. That could be, in part, because workers fear that under existing law, their jobs won’t be protected while they’re out.\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch3>\u003ca href=\"https://www.kqed.org/news/11708405/pricey-real-estate-prompts-scammers-to-target-senior-homeowners\">Pricey Real Estate Prompts Scammers to Target Senior Homeowners\u003c/a>\u003c/h3>\n\u003cfigure>\u003ca href=\"https://www.kqed.org/news/11708405/pricey-real-estate-prompts-scammers-to-target-senior-homeowners\">\u003cimg src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/11/Homes-1038x576.jpg\" alt=\"\">\u003c/a>\u003c/figure>\n\u003c/aside>\n\u003cp>“Job protection, I think, is crucial,” Rossin-Slater said, “Especially for middle-class families that might worry about not having a job to return to after the leave.”\u003c/p>\n\u003cp>Longer paid family leave could help alleviate some of the high cost of child care, which often costs middle-class parents more than \u003ca href=\"https://www.scpr.org/news/2016/04/13/59477/childcare-costs-more-than-college-tuition-in-calif/\" target=\"_blank\" rel=\"noopener\">college tuition\u003c/a>.\u003c/p>\n\u003cp>California’s population is aging. With more and more baby boomers retiring, the cost of caring for elderly parents will also start to stack up for more middle class families.\u003c/p>\n\u003cp>The governor’s budget includes a 15.2 percent increase in general fund spending for in-home supportive services. But USC gerontology professor \u003ca href=\"http://gero.usc.edu/faculty/donna-benton-ph-d/\" target=\"_blank\" rel=\"noopener\">Donna Benton\u003c/a> said most Californians don’t qualify for the low-income program. So they’re stuck spending thousands of dollars a year on caregiving.\u003c/p>\n\u003cp>Out-of-pocket costs eat up 20 percent of caregivers’ income, on average. Some caregivers have to quit their jobs.\u003c/p>\n\u003cp>“Family members in general sacrifice a lot,” said Benton. “And then when they go to look for services for themselves, usually they’re not going to qualify.”\u003c/p>\n\u003cp>Benton was part of a state task force that issued a \u003ca href=\"http://tffc.usc.edu/2018/07/02/final-report-from-the-california-task-force-on-family-caregiving-2/\" target=\"_blank\" rel=\"noopener\">number of recommendations\u003c/a> to help ease the cost. Among their ideas was a tax credit for caregiving expenses, as well as more funding for resource centers throughout the state that serve caregivers regardless of income level.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>When Benton looked through Newsom’s budget, she said, “I didn’t see anything that, I would say, touched on any of the recommendations.”\u003c/p>\n\u003cp>Long Beach environmental consultant Heather Altman lives near her parents, who are now in their 70s. She said they’re in a good financial position right now. But she wonders if they’ll end up needing her help in the future.\u003c/p>\n\u003cp>“Should it come to that time, then yeah, that responsibility falls to me,” she said.\u003c/p>\n\u003cp>The same will be true for millions of middle-class Californians.\u003c/p>\n\u003cp>\u003cem>\u003ca href=\"https://www.kqed.org/news/series/californiadream/\" target=\"_blank\" rel=\"noopener\">The California Dream series\u003c/a> is a statewide media collaboration of CALmatters, KPBS, KPCC, KQED and Capital Public Radio with support from the Corporation for Public Broadcasting, the James Irvine Foundation and the College Futures Foundation.\u003c/em>\u003c/p>\n\u003cp>\u003cimg class=\"aligncenter size-full wp-image-11660142\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/04/CADreamBanner.jpg%20https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/04/CADreamBanner.jpg\" alt=\"\" width=\"1867\" height=\"512\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner.jpg 1867w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-160x44.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-800x219.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1020x280.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1180x324.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-960x263.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-240x66.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-375x103.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-520x143.jpg 520w\" sizes=\"(max-width: 1867px) 100vw, 1867px\">\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"Health insurance and higher education could become more affordable — but probably not the cost of caring for aging family members.","status":"publish","parent":0,"modified":1551918915,"stats":{"hasAudio":false,"hasVideo":true,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":53,"wordCount":1755},"headData":{"title":"Middle-Class Californians: Here’s What’s in Gov. Newsom’s Budget for You | KQED","description":"Health insurance and higher education could become more affordable — but probably not the cost of caring for aging family members.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Middle-Class Californians: Here’s What’s in Gov. Newsom’s Budget for You","datePublished":"2019-01-28T22:01:37.000Z","dateModified":"2019-03-07T00:35:15.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11721611 https://ww2.kqed.org/news/?p=11721611","disqusUrl":"https://ww2.kqed.org/news/2019/01/28/middle-class-californians-heres-whats-in-gov-newsoms-budget-for-you/","disqusTitle":"Middle-Class Californians: Here’s What’s in Gov. Newsom’s Budget for You","source":"KPCC","sourceUrl":"https://www.scpr.org/","nprByline":"\u003cstrong>\u003ca href=\"https://www.scpr.org/about/people/staff/david-wagner\">David Wagner\u003c/a>\u003c/strong>","path":"/news/11721611/middle-class-californians-heres-whats-in-gov-newsoms-budget-for-you","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>California’s middle class is reaching a breaking point. Especially when it comes to the high cost of housing. So says the state’s new governor, Gavin Newsom.\u003c/p>\n\u003cp>“Housing. This is the issue,” Newsom said at a press conference earlier this month, unveiling his \u003ca href=\"http://www.ebudget.ca.gov/FullBudgetSummary.pdf\" target=\"_blank\" rel=\"noopener\">first budget proposal as governor\u003c/a>. “Unless we get serious about it, this state will continue to lose its middle class, and the dream will be limited to fewer and fewer people.”\u003c/p>\n\u003cp>Middle-class Californians could find some relief under Newsom’s $209 billion budget, which includes new spending aimed at getting cities to approve more housing. Other proposals could bring down the cost of health care and higher education for Californians who currently make too much to qualify for state help.\u003c/p>\n\u003cp>But middle-class California families won’t find much help shouldering other expenses, like the looming cost of caring for aging family members.\u003c/p>\n\u003cp>What does “middle-class” even mean in California?\u003c/p>\n\u003cp>In a state where families of four earning up to $117,400 meet the federal government’s definition of “low-income” in \u003ca href=\"https://www.nytimes.com/2018/06/30/us/bay-area-housing-market.html\" target=\"_blank\" rel=\"noopener\">certain regions\u003c/a>, there may be no definitive answer on what qualifies as “middle-class.”\u003c/p>\n\u003cp>But according to a recent \u003ca href=\"http://www.pewresearch.org/fact-tank/2018/09/06/the-american-middle-class-is-stable-in-size-but-losing-ground-financially-to-upper-income-families/\" target=\"_blank\" rel=\"noopener\">Pew Research Center analysis\u003c/a> of government wage data, families of four in California can be considered middle-class if they make anywhere between $59,702 and $179,105 per year.\u003c/p>\n\u003cp>Direct subsidies in the governor’s budget tend to go toward Californians making less. Newsom noted that no state has a higher \u003ca href=\"https://laist.com/2018/09/12/california_still_has_the_nations_highest_poverty_rate_blame_housing_costs.php\" target=\"_blank\" rel=\"noopener\">poverty rate\u003c/a> than California. He wants to try to lower it by giving higher tax refunds to full-time workers earning up to $15 an hour through an expanded version of the state’s earned income tax credit.\u003c/p>\n\u003cp>He’s also proposing a large boost in spending to subsidize the development of affordable housing for low-income residents. His budget calls for increasing the state’s low-income housing tax credit from $80 million to $500 million per year.\u003c/p>\n\u003cp>The budget also includes a $500-million bump to the California Housing Finance Agency’s mixed‑income loan program, which finances developments that include units for moderate-income residents.\u003c/p>\u003c/p>\u003cp>\u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutube'>\n \u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutubeInside'>\n \u003ciframe\n loading='lazy'\n class='utils-parseShortcode-shortcodes-__youtubeShortcode__youtubePlayer'\n type='text/html'\n src='//www.youtube.com/embed/SrWC9XnKPKI?start=3865'\n title='//www.youtube.com/embed/SrWC9XnKPKI?start=3865'\n allowfullscreen='true'\n style='border:0;'>\u003c/iframe>\n \u003c/span>\n \u003c/span>\u003c/p>\u003cp>\u003ch3>Housing\u003c/h3>\n\u003cp>The governor’s budget doesn’t propose similar housing subsidies for most middle-class Californians. Matthew Lewis, director of communications for the pro-housing group \u003ca href=\"https://cayimby.org/about/\" target=\"_blank\" rel=\"noopener\">California YIMBY\u003c/a>, said that approach makes sense.\u003c/p>\n\u003cp>“As a matter of policy, you don’t provide subsidies to people who are making over $80,000 a year,” said Lewis. “But in California, that's the middle class.”\u003c/p>\n\u003cp>Lewis doesn’t think Newsom can subsidize his way toward a solution to the state’s housing crisis. Instead, he and other housing advocates like what Newsom’s budget does to push local governments to approve more housing in general.\u003c/p>\n\u003cp>“It appears that Governor Newsom is himself a YIMBY,” said Lewis.\u003c/p>\n\u003cp>Under Newsom’s budget, cities that meet housing goals set by the state would be rewarded with money from a $500 million state fund, and they could use that money for whatever they want.\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch3>\u003ca href=\"https://www.kqed.org/news/11719937/controversial-bay-area-housing-plan-heads-to-state-legislature\">Controversial Bay Area Housing Plan Heads to State Legislature\u003c/a>\u003c/h3>\n\u003cfigure>\u003ca href=\"https://www.kqed.org/news/11719937/controversial-bay-area-housing-plan-heads-to-state-legislature\">\u003cimg src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/01/GettyImages-1046169802-1020x680.jpg\" alt=\"\">\u003c/a>\u003c/figure>\n\u003c/aside>\n\u003cp>“In other words, he’s starting to build funds that would actually financially encourage cities to build more housing,” said \u003ca href=\"https://beaconecon.com/people/bio/christopher_thornberg\" target=\"_blank\" rel=\"noopener\">Chris Thornberg of Beacon Economics\u003c/a>. He said that should help address California’s housing supply problems. “That’s really helpful for California's middle class.”\u003c/p>\n\u003cp>Newsom has also discussed punishing cities that fail to meet their housing goals by withholding transit funding. It’s an idea that has not gone over well with local governments.\u003c/p>\n\u003cp>In \u003ca href=\"http://www.cacities.org/Top/News/Press-Releases/2019/League-of-California-Cities-Issues-Statement-on-Go\">a statement\u003c/a> on the governor’s budget, League of California Cities executive director Carolyn Coleman said her organization was concerned about proposals “that would raid local transportation funds that voters have repeatedly dedicated to local communities.”\u003c/p>\n\u003ch3>Health Care\u003c/h3>\n\u003cp>The words “middle-class” only appear once in Newsom’s \u003ca href=\"http://www.ebudget.ca.gov/FullBudgetSummary.pdf\" target=\"_blank\" rel=\"noopener\">280-page budget proposal\u003c/a>. They show up under his plan to expand health care subsidies.\u003c/p>\n\u003cp>One Californian encouraged by that move is Heather Altman. She works as an environmental consultant out of her home in Long Beach. She gets to be her own boss, and she makes decent money.\u003c/p>\n\u003cp>“I guess I do consider myself middle class,” Altman said.\u003c/p>\n\u003cp>She would not have started her business back in 2014 without Obamacare. It meant she could finally afford her own health insurance. She no longer needed to get it through an employer. She has asthma, a pre-existing condition that made individual coverage unaffordable in the past.\u003c/p>\n\u003cp>Back in 2014, “My premium was $356 for a platinum plan,” Altman said. “I thought that was super affordable.”\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch3>\u003ca href=\"https://www.kqed.org/news/11716531/newsoms-first-act-as-governor-expanding-health-coverage\">Newsom's First Act as Governor? Expanding Health Coverage\u003c/a>\u003c/h3>\n\u003cfigure>\u003ca href=\"https://www.kqed.org/news/11716531/newsoms-first-act-as-governor-expanding-health-coverage\">\u003cimg src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/01/NewsomInaugWaving-1020x691.jpg\" alt=\"\">\u003c/a>\u003c/figure>\n\u003c/aside>\n\u003cp>Premiums for the same plan have more than doubled, to $761 per month. Altman has switched to a plan with a lower premium. But add in the routine costs of treating her asthma, and she’s spending more than $800 a month.\u003c/p>\n\u003cp>“That’s very difficult to budget,” Altman said. “And it certainly isn’t sustainable.”\u003c/p>\n\u003cp>Currently, individuals who earn up to $48,560 a year are eligible for \u003ca href=\"https://www.healthforcalifornia.com/covered-california/income-limits\" target=\"_blank\" rel=\"noopener\">subsidized premiums\u003c/a> through Covered California. Altman makes too much to qualify. But Newsom’s budget calls for raising annual income limits for individuals to $72,840 and for families of four to $150,600.\u003c/p>\n\u003cp>“Had that subsidy bracket been in place when I started my business, there would have been years that I would have qualified,” Altman said. “I’m hopeful that some of these changes may make a meaningful difference in my financial bottom line.”\u003c/p>\n\u003cp>\u003cimg class=\"alignnone size-medium wp-image-11721624\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/01/Healthcare-Subsidies-chart-800x618.jpg\" alt=\"\" width=\"800\" height=\"618\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/01/Healthcare-Subsidies-chart-800x618.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/01/Healthcare-Subsidies-chart-160x124.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/01/Healthcare-Subsidies-chart-1020x788.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/01/Healthcare-Subsidies-chart-1200x927.jpg 1200w, https://ww2.kqed.org/app/uploads/sites/10/2019/01/Healthcare-Subsidies-chart.jpg 1650w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003c/p>\n\u003cp>Altman has shared her story with the advocacy organization \u003ca href=\"https://health-access.org/about-us/staff/\" target=\"_blank\" rel=\"noopener\">Health Access California\u003c/a>. Executive director Anthony Wright said Newsom’s budget is promising for Californians like her.\u003c/p>\n\u003cp>“Current law has cliffs where the assistance runs out,” Wright said. “The extra help will allow some families to get coverage that otherwise couldn’t afford it.”\u003c/p>\n\u003cp>Newsom plans to pay for the expanded subsidies by creating a state version of the Affordable Care Act’s federal mandate to either buy health insurance or pay a tax penalty (which has gone to $0 under the Trump administration).\u003c/p>\n\u003cp>In \u003ca href=\"https://lao.ca.gov/Publications/Report/3916?utm_source=laowww&utm_medium=email&utm_campaign=3916\" target=\"_blank\" rel=\"noopener\">a report\u003c/a> on the governor’s budget, the California Legislative Analyst’s Office notes that this approach could create a funding conflict. If the state tax penalty works, it should drive more people to buy insurance. But then, “less funding would be available for premium subsidies.”\u003c/p>\n\u003ch3>College\u003c/h3>\n\u003cp>Higher education is another big drain on middle-class budgets. Newsom’s budget calls for a tuition freeze at state universities, earmarking $300 million for the California State University system and $240 million for the University of California system each year.\u003c/p>\n\u003cp>University of Southern California professor of sociology \u003ca href=\"https://dornsife.usc.edu/pere/pastor/\" target=\"_blank\" rel=\"noopener\">Manuel Pastor\u003c/a> said middle-class families could also get a break under Newsom’s $40 million plan to make a second year of community college tuition-free.\u003c/p>\n\u003cp>“If you can make the first and second year free, you’re lowering the cost for a lot of middle class parents of a four-year education,” Pastor said.\u003c/p>\n\u003ch3>The Cost of Caring for Family Members, Young and Old\u003c/h3>\n\u003cp>Universal preschool and six months of paid family leave for parents are still on Newsom’s agenda. But this budget won’t pay for those goals.\u003c/p>\n\u003cp>Stanford University assistant professor of health research and policy \u003ca href=\"https://web.stanford.edu/~mrossin/\" target=\"_blank\" rel=\"noopener\">Maya Rossin-Slater\u003c/a> said California’s existing paid family leave law could be strengthened. Right now, many parents don’t use it.\u003c/p>\n\u003cp>Her research \u003ca href=\"https://web.stanford.edu/~mrossin/AKMdraft_Oct2018.pdf\" target=\"_blank\" rel=\"noopener\">shows California workers\u003c/a> at smaller, lower-paying companies are less likely to take paid family leave than higher-paid workers. That could be, in part, because workers fear that under existing law, their jobs won’t be protected while they’re out.\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch3>\u003ca href=\"https://www.kqed.org/news/11708405/pricey-real-estate-prompts-scammers-to-target-senior-homeowners\">Pricey Real Estate Prompts Scammers to Target Senior Homeowners\u003c/a>\u003c/h3>\n\u003cfigure>\u003ca href=\"https://www.kqed.org/news/11708405/pricey-real-estate-prompts-scammers-to-target-senior-homeowners\">\u003cimg src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/11/Homes-1038x576.jpg\" alt=\"\">\u003c/a>\u003c/figure>\n\u003c/aside>\n\u003cp>“Job protection, I think, is crucial,” Rossin-Slater said, “Especially for middle-class families that might worry about not having a job to return to after the leave.”\u003c/p>\n\u003cp>Longer paid family leave could help alleviate some of the high cost of child care, which often costs middle-class parents more than \u003ca href=\"https://www.scpr.org/news/2016/04/13/59477/childcare-costs-more-than-college-tuition-in-calif/\" target=\"_blank\" rel=\"noopener\">college tuition\u003c/a>.\u003c/p>\n\u003cp>California’s population is aging. With more and more baby boomers retiring, the cost of caring for elderly parents will also start to stack up for more middle class families.\u003c/p>\n\u003cp>The governor’s budget includes a 15.2 percent increase in general fund spending for in-home supportive services. But USC gerontology professor \u003ca href=\"http://gero.usc.edu/faculty/donna-benton-ph-d/\" target=\"_blank\" rel=\"noopener\">Donna Benton\u003c/a> said most Californians don’t qualify for the low-income program. So they’re stuck spending thousands of dollars a year on caregiving.\u003c/p>\n\u003cp>Out-of-pocket costs eat up 20 percent of caregivers’ income, on average. Some caregivers have to quit their jobs.\u003c/p>\n\u003cp>“Family members in general sacrifice a lot,” said Benton. “And then when they go to look for services for themselves, usually they’re not going to qualify.”\u003c/p>\n\u003cp>Benton was part of a state task force that issued a \u003ca href=\"http://tffc.usc.edu/2018/07/02/final-report-from-the-california-task-force-on-family-caregiving-2/\" target=\"_blank\" rel=\"noopener\">number of recommendations\u003c/a> to help ease the cost. Among their ideas was a tax credit for caregiving expenses, as well as more funding for resource centers throughout the state that serve caregivers regardless of income level.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>When Benton looked through Newsom’s budget, she said, “I didn’t see anything that, I would say, touched on any of the recommendations.”\u003c/p>\n\u003cp>Long Beach environmental consultant Heather Altman lives near her parents, who are now in their 70s. She said they’re in a good financial position right now. But she wonders if they’ll end up needing her help in the future.\u003c/p>\n\u003cp>“Should it come to that time, then yeah, that responsibility falls to me,” she said.\u003c/p>\n\u003cp>The same will be true for millions of middle-class Californians.\u003c/p>\n\u003cp>\u003cem>\u003ca href=\"https://www.kqed.org/news/series/californiadream/\" target=\"_blank\" rel=\"noopener\">The California Dream series\u003c/a> is a statewide media collaboration of CALmatters, KPBS, KPCC, KQED and Capital Public Radio with support from the Corporation for Public Broadcasting, the James Irvine Foundation and the College Futures Foundation.\u003c/em>\u003c/p>\n\u003cp>\u003cimg class=\"aligncenter size-full wp-image-11660142\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/04/CADreamBanner.jpg%20https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/04/CADreamBanner.jpg\" alt=\"\" width=\"1867\" height=\"512\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner.jpg 1867w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-160x44.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-800x219.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1020x280.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1180x324.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-960x263.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-240x66.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-375x103.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-520x143.jpg 520w\" sizes=\"(max-width: 1867px) 100vw, 1867px\">\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11721611/middle-class-californians-heres-whats-in-gov-newsoms-budget-for-you","authors":["byline_news_11721611"],"programs":["news_72"],"series":["news_21879"],"categories":["news_1758","news_457","news_6266","news_8","news_13"],"tags":["news_3921","news_402","news_20472","news_5164","news_16","news_683","news_21358","news_3890","news_2081"],"affiliates":["news_7055"],"featImg":"news_11721642","label":"source_news_11721611"},"news_11716531":{"type":"posts","id":"news_11716531","meta":{"index":"posts_1591205157","site":"news","id":"11716531","score":null,"sort":[1546912811000]},"guestAuthors":[],"slug":"newsoms-first-act-as-governor-expanding-health-coverage","title":"Newsom's First Act as Governor? Expanding Health Coverage","publishDate":1546912811,"format":"audio","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>California's newly sworn-in governor didn't waste any time tackling one of his key campaign pledges: expanding health care access in the Golden State.\u003c/p>\n\u003cp>Gov. Gavin Newsom \u003ca href=\"https://www.facebook.com/GavinNewsom/videos/349455942557314/\">rolled out a package of health care proposals and policies\u003c/a> a few hours after his inauguration, including an \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2019/01/1.7.19-EO-N-01-19-1.pdf\">executive order\u003c/a> to create a new California surgeon general, and another that would consolidate the state's prescription drug negotiating power.\u003c/p>\n\u003cp>Right now, state health care programs like Medi-Cal for low-income Californians, CalPERS for retirees and the prison system all negotiate drug prices separately. Gov. Newsom's order directs state agencies to bargain together, and opens the door for private employers to join them, creating what Newsom's office calls the \"biggest single-purchaser system for drugs.\"\u003c/p>\n\u003cp>The new governor also wants to expand subsidies to help people buy medical coverage through Covered California — the Affordable Care Act marketplace — by both increasing the amount of financial assistance given to current eligible families and expanding access to middle-income families. Under the proposal, individuals who earn $72,000 a year, and a family of four that earns $150,000 could qualify for subsidies.\u003c/p>\n\u003cp>Newsom also wants to give undocumented young adults the ability to stay on Medi-Cal, the state's Medicaid program, longer. \u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>California already covers undocumented children through Medi-Cal until they turn 19. Newsom's proposal would extend that to age 26, which is a compromise with health advocates who wanted coverage for all undocumented adults. Because the Affordable Care Act prohibits the use of federal funds to cover people in the country illegally, the entire cost of the Medi-Cal expansion would be shouldered by the state — one reason former Gov. Jerry Brown declined to allocate money for this during his tenure.\u003c/p>\n\u003cp>The expansion of Medi-Cal and the marketplace subsidy changes will all be part of Newsom's first state budget, set to be unveiled Thursday.\u003c/p>\n\u003cp>In a statement, Newsom said he would pay for the expansions in part by restoring the individual mandate — the requirement that all adults carry health insurance — something Congressional Republicans eliminated with the passage of their tax bill in late 2017.\u003c/p>\n\u003cp>\"Every person should have access to quality, affordable health care,\" Newsom said in his inaugural address. \"Far-away judges and politicians may turn back our progress. But we will never waver in our pursuit of guaranteed health care for all Californians. We will use both our market power and our moral power to demand fairer prices for prescription drugs. We will stop stigmatizing mental health and start supporting it. And we will always protect a woman's right to choose.\"\u003c/p>\n\u003cp>Health care advocates cheered Newsom's proposals as steps in the right direction.\u003c/p>\n\u003cp>\"Our health system is stronger when everyone is included. These steps outlined today would put California on an aspirational and achievable path to universal coverage,\" said Anthony Wright, executive director of Health Access California. \u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"Last year, voters supported Governor Newsom in a health care election, and were clamoring not just to protect their care, but for the real, tangible steps to improve access and affordability to care.\"\u003c/p>\n\n","blocks":[],"excerpt":"Gov. Gavin Newsom rolled out a package of health care proposals just hours after his inauguration, including orders to create a new California surgeon general and to consolidate the state's prescription drug negotiating power.","status":"publish","parent":0,"modified":1547142088,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":14,"wordCount":526},"headData":{"title":"Newsom's First Act as Governor? Expanding Health Coverage | KQED","description":"Gov. Gavin Newsom rolled out a package of health care proposals just hours after his inauguration, including orders to create a new California surgeon general and to consolidate the state's prescription drug negotiating power.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Newsom's First Act as Governor? Expanding Health Coverage","datePublished":"2019-01-08T02:00:11.000Z","dateModified":"2019-01-10T17:41:28.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11716531 https://ww2.kqed.org/news/?p=11716531","disqusUrl":"https://ww2.kqed.org/news/2019/01/07/newsoms-first-act-as-governor-expanding-health-coverage/","disqusTitle":"Newsom's First Act as Governor? Expanding Health Coverage","audioUrl":"https://www.kqed.org/.stream/anon/radio/tcr/2019/01/NewsomPharmaDemboskytcram190110.mp3","audioTrackLength":134,"path":"/news/11716531/newsoms-first-act-as-governor-expanding-health-coverage","audioDuration":137000,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>California's newly sworn-in governor didn't waste any time tackling one of his key campaign pledges: expanding health care access in the Golden State.\u003c/p>\n\u003cp>Gov. Gavin Newsom \u003ca href=\"https://www.facebook.com/GavinNewsom/videos/349455942557314/\">rolled out a package of health care proposals and policies\u003c/a> a few hours after his inauguration, including an \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2019/01/1.7.19-EO-N-01-19-1.pdf\">executive order\u003c/a> to create a new California surgeon general, and another that would consolidate the state's prescription drug negotiating power.\u003c/p>\n\u003cp>Right now, state health care programs like Medi-Cal for low-income Californians, CalPERS for retirees and the prison system all negotiate drug prices separately. Gov. Newsom's order directs state agencies to bargain together, and opens the door for private employers to join them, creating what Newsom's office calls the \"biggest single-purchaser system for drugs.\"\u003c/p>\n\u003cp>The new governor also wants to expand subsidies to help people buy medical coverage through Covered California — the Affordable Care Act marketplace — by both increasing the amount of financial assistance given to current eligible families and expanding access to middle-income families. Under the proposal, individuals who earn $72,000 a year, and a family of four that earns $150,000 could qualify for subsidies.\u003c/p>\n\u003cp>Newsom also wants to give undocumented young adults the ability to stay on Medi-Cal, the state's Medicaid program, longer. \u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>California already covers undocumented children through Medi-Cal until they turn 19. Newsom's proposal would extend that to age 26, which is a compromise with health advocates who wanted coverage for all undocumented adults. Because the Affordable Care Act prohibits the use of federal funds to cover people in the country illegally, the entire cost of the Medi-Cal expansion would be shouldered by the state — one reason former Gov. Jerry Brown declined to allocate money for this during his tenure.\u003c/p>\n\u003cp>The expansion of Medi-Cal and the marketplace subsidy changes will all be part of Newsom's first state budget, set to be unveiled Thursday.\u003c/p>\n\u003cp>In a statement, Newsom said he would pay for the expansions in part by restoring the individual mandate — the requirement that all adults carry health insurance — something Congressional Republicans eliminated with the passage of their tax bill in late 2017.\u003c/p>\n\u003cp>\"Every person should have access to quality, affordable health care,\" Newsom said in his inaugural address. \"Far-away judges and politicians may turn back our progress. But we will never waver in our pursuit of guaranteed health care for all Californians. We will use both our market power and our moral power to demand fairer prices for prescription drugs. We will stop stigmatizing mental health and start supporting it. And we will always protect a woman's right to choose.\"\u003c/p>\n\u003cp>Health care advocates cheered Newsom's proposals as steps in the right direction.\u003c/p>\n\u003cp>\"Our health system is stronger when everyone is included. These steps outlined today would put California on an aspirational and achievable path to universal coverage,\" said Anthony Wright, executive director of Health Access California. \u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"Last year, voters supported Governor Newsom in a health care election, and were clamoring not just to protect their care, but for the real, tangible steps to improve access and affordability to care.\"\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11716531/newsoms-first-act-as-governor-expanding-health-coverage","authors":["3239","3205"],"programs":["news_72"],"categories":["news_1758","news_457","news_8","news_13"],"tags":["news_2409","news_5164","news_16","news_683","news_3890"],"featImg":"news_11716568","label":"news_72"},"news_11712847":{"type":"posts","id":"news_11712847","meta":{"index":"posts_1591205157","site":"news","id":"11712847","score":null,"sort":[1544908704000]},"guestAuthors":[],"slug":"no-changes-for-californians-looking-for-obamacare-despite-federal-court-ruling","title":"Covered California Extends Deadline After Anti-Obamacare Federal Court Ruling","publishDate":1544908704,"format":"standard","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>\u003cem>Updated Saturday, 5:30 p.m.\u003c/em>\u003c/p>\n\u003cp>California's health care marketplace has extended the deadline for people to sign up for insurance that will start on Jan. 1, 2019, in response to a federal court ruling handed down on Friday that invalidated the Affordable Care Act.\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch2>\u003ca href=\"https://www.kqed.org/news/11698852/6-things-to-know-about-covered-california-open-enrollment-for-2019\" rel=\"noopener\" target=\"_blank\">6 Things To Know About Covered California Open Enrollment for 2019\u003c/a>\u003c/h2>\n\u003cp>\u003ca href=\"https://www.kqed.org/news/11698852/6-things-to-know-about-covered-california-open-enrollment-for-2019\" rel=\"noopener\" target=\"_blank\">\u003cimg src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/10/RS11278_479421059-800x534.jpg\">\u003c/a>\u003cbr>\n\u003c/p>\u003c/aside>\n\u003cp>Saturday was supposed to be the cutoff for Californians looking to \u003ca href=\"https://www.kqed.org/news/11698852/6-things-to-know-about-covered-california-open-enrollment-for-2019\" rel=\"noopener\" target=\"_blank\">enroll in health coverage\u003c/a> through Covered California that would kick in at the beginning of the year. But that deadline has been extended nearly a week to Friday, Dec. 21 after a federal district court judge in Texas declared the Affordable Care Act (often referred to as Obamacare) \u003ca href=\"https://www.kqed.org/news/11712827/federal-judge-strikes-down-affordable-care-act-as-unconstitutional\" rel=\"noopener\" target=\"_blank\">unconstitutional\u003c/a>.\u003c/p>\n\u003cp>Covered California chose to extend the deadline after the extensive media coverage of the court decision led to fears that it could cause confusion for Californians over how it would impact their coverage. \u003c/p>\n\u003cp>\"We have seen tens of thousands of people flood into Covered California over the past week, and we want to make sure everyone can start the new year off right by being covered,\" said Peter Lee, executive director of \u003ca href=\"https://www.coveredca.com/\" rel=\"noopener\" target=\"_blank\">Covered California\u003c/a>, in a statement.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Open enrollment in Covered California runs through Jan. 15, 2019, making it one of seven marketplaces that has a longer open enrollment period than the federal one, which ends today. Anyone enrolling between Dec. 22 and Jan. 15 will see their coverage start on Feb. 1. \u003c/p>\n\u003cp>U.S. District Judge Reed O'Connor ruled that the landmark health care law was unconstitutional because Congress earlier this year repealed the tax penalty for people who did not buy health insurance, often referred to as the individual mandate. \u003c/p>\n\u003cp>U.S. Supreme Court Chief Justice John Roberts had upheld the constitutionality of the law in 2012 in part based on it falling under Congress' power to tax. With the mandate repealed, O'Connor sided with 19 Republican attorneys general and one governor who argued that the law was no longer constitutional.\u003c/p>\n\u003cp>\"For the forseeable future, this ruling has absolutely no effect,\" Lee told KQED. \"If people are thinking about signing up for coverage in 2019, now is the time to do it, and their coverage will go live and apply throughout next year.\"\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch2>\u003ca href=\"https://www.kqed.org/news/11711387/the-obamacare-mandate-is-ending-if-california-does-nothing-1-million-could-lose-health-care\" rel=\"noopener\" target=\"_blank\">The Obamacare Mandate Is Ending. If California Does Nothing, 1 Million Could Lose Health Care\u003c/a>\u003c/h2>\n\u003cp>\u003ca href=\"https://www.kqed.org/news/11711387/the-obamacare-mandate-is-ending-if-california-does-nothing-1-million-could-lose-health-care\" rel=\"noopener\" target=\"_blank\">\u003cimg src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/12/Doctor.jpg\">\u003c/a>\u003cbr>\n\u003c/p>\u003c/aside>\n\u003cp>The insurance marketplace had already been considering extending the deadline due to a surge in last-minute sign ups. According to Lee, 58,000 people have signed up in the past week, and nearly 180,000 people have enrolled for 2019 coverage overall, in addition to another 1.2 million who have renewed their existing plans for 2019.\u003c/p>\n\u003cp>But enrollment is down about 10 percent compared to last year, which Lee attributes to some healthy Californians choosing not to buy insurance because Congress repealed the individual mandate.\u003c/p>\n\u003cp>\"I want to be really clear: every one of those people is rolling the dice because some of them are going to end up in the emergency room and walking out with a $150,000 debt,\" Lee said.\u003c/p>\n\u003cp>California Attorney General Xavier Becerra, who has led a group of Democratic attorneys general defending the ACA, said in a statement Friday that \"our coalition will continue to fight in court\" to \u003ca href=\"https://oag.ca.gov/news/press-releases/attorney-general-becerra-denounces-court-ruling-declaring-aca-unconstitutional\" rel=\"noopener\" target=\"_blank\">defend the law\u003c/a>, which the White House said will stay in effect pending appeal.\u003c/p>\n\u003cp>The case is expected to end up in front of the U.S. Supreme Court, a process that could take months. Lee said if the decision is upheld, it would have devastating consequences for Californians covered by all types of insurance: private, Medicare and Medi-Cal.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"This is really a decision which is truly beyond the pale,\" Lee said.\u003c/p>\n\n","blocks":[],"excerpt":"The deadline to secure coverage starting Jan. 1 was supposed to be today, but it has been extended to Friday, Dec. 21.","status":"publish","parent":0,"modified":1544932575,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":19,"wordCount":621},"headData":{"title":"Covered California Extends Deadline After Anti-Obamacare Federal Court Ruling | KQED","description":"The deadline to secure coverage starting Jan. 1 was supposed to be today, but it has been extended to Friday, Dec. 21.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Covered California Extends Deadline After Anti-Obamacare Federal Court Ruling","datePublished":"2018-12-15T21:18:24.000Z","dateModified":"2018-12-16T03:56:15.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11712847 https://ww2.kqed.org/news/?p=11712847","disqusUrl":"https://ww2.kqed.org/news/2018/12/15/no-changes-for-californians-looking-for-obamacare-despite-federal-court-ruling/","disqusTitle":"Covered California Extends Deadline After Anti-Obamacare Federal Court Ruling","path":"/news/11712847/no-changes-for-californians-looking-for-obamacare-despite-federal-court-ruling","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>Updated Saturday, 5:30 p.m.\u003c/em>\u003c/p>\n\u003cp>California's health care marketplace has extended the deadline for people to sign up for insurance that will start on Jan. 1, 2019, in response to a federal court ruling handed down on Friday that invalidated the Affordable Care Act.\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch2>\u003ca href=\"https://www.kqed.org/news/11698852/6-things-to-know-about-covered-california-open-enrollment-for-2019\" rel=\"noopener\" target=\"_blank\">6 Things To Know About Covered California Open Enrollment for 2019\u003c/a>\u003c/h2>\n\u003cp>\u003ca href=\"https://www.kqed.org/news/11698852/6-things-to-know-about-covered-california-open-enrollment-for-2019\" rel=\"noopener\" target=\"_blank\">\u003cimg src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/10/RS11278_479421059-800x534.jpg\">\u003c/a>\u003cbr>\n\u003c/p>\u003c/aside>\n\u003cp>Saturday was supposed to be the cutoff for Californians looking to \u003ca href=\"https://www.kqed.org/news/11698852/6-things-to-know-about-covered-california-open-enrollment-for-2019\" rel=\"noopener\" target=\"_blank\">enroll in health coverage\u003c/a> through Covered California that would kick in at the beginning of the year. But that deadline has been extended nearly a week to Friday, Dec. 21 after a federal district court judge in Texas declared the Affordable Care Act (often referred to as Obamacare) \u003ca href=\"https://www.kqed.org/news/11712827/federal-judge-strikes-down-affordable-care-act-as-unconstitutional\" rel=\"noopener\" target=\"_blank\">unconstitutional\u003c/a>.\u003c/p>\n\u003cp>Covered California chose to extend the deadline after the extensive media coverage of the court decision led to fears that it could cause confusion for Californians over how it would impact their coverage. \u003c/p>\n\u003cp>\"We have seen tens of thousands of people flood into Covered California over the past week, and we want to make sure everyone can start the new year off right by being covered,\" said Peter Lee, executive director of \u003ca href=\"https://www.coveredca.com/\" rel=\"noopener\" target=\"_blank\">Covered California\u003c/a>, in a statement.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Open enrollment in Covered California runs through Jan. 15, 2019, making it one of seven marketplaces that has a longer open enrollment period than the federal one, which ends today. Anyone enrolling between Dec. 22 and Jan. 15 will see their coverage start on Feb. 1. \u003c/p>\n\u003cp>U.S. District Judge Reed O'Connor ruled that the landmark health care law was unconstitutional because Congress earlier this year repealed the tax penalty for people who did not buy health insurance, often referred to as the individual mandate. \u003c/p>\n\u003cp>U.S. Supreme Court Chief Justice John Roberts had upheld the constitutionality of the law in 2012 in part based on it falling under Congress' power to tax. With the mandate repealed, O'Connor sided with 19 Republican attorneys general and one governor who argued that the law was no longer constitutional.\u003c/p>\n\u003cp>\"For the forseeable future, this ruling has absolutely no effect,\" Lee told KQED. \"If people are thinking about signing up for coverage in 2019, now is the time to do it, and their coverage will go live and apply throughout next year.\"\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch2>\u003ca href=\"https://www.kqed.org/news/11711387/the-obamacare-mandate-is-ending-if-california-does-nothing-1-million-could-lose-health-care\" rel=\"noopener\" target=\"_blank\">The Obamacare Mandate Is Ending. If California Does Nothing, 1 Million Could Lose Health Care\u003c/a>\u003c/h2>\n\u003cp>\u003ca href=\"https://www.kqed.org/news/11711387/the-obamacare-mandate-is-ending-if-california-does-nothing-1-million-could-lose-health-care\" rel=\"noopener\" target=\"_blank\">\u003cimg src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/12/Doctor.jpg\">\u003c/a>\u003cbr>\n\u003c/p>\u003c/aside>\n\u003cp>The insurance marketplace had already been considering extending the deadline due to a surge in last-minute sign ups. According to Lee, 58,000 people have signed up in the past week, and nearly 180,000 people have enrolled for 2019 coverage overall, in addition to another 1.2 million who have renewed their existing plans for 2019.\u003c/p>\n\u003cp>But enrollment is down about 10 percent compared to last year, which Lee attributes to some healthy Californians choosing not to buy insurance because Congress repealed the individual mandate.\u003c/p>\n\u003cp>\"I want to be really clear: every one of those people is rolling the dice because some of them are going to end up in the emergency room and walking out with a $150,000 debt,\" Lee said.\u003c/p>\n\u003cp>California Attorney General Xavier Becerra, who has led a group of Democratic attorneys general defending the ACA, said in a statement Friday that \"our coalition will continue to fight in court\" to \u003ca href=\"https://oag.ca.gov/news/press-releases/attorney-general-becerra-denounces-court-ruling-declaring-aca-unconstitutional\" rel=\"noopener\" target=\"_blank\">defend the law\u003c/a>, which the White House said will stay in effect pending appeal.\u003c/p>\n\u003cp>The case is expected to end up in front of the U.S. Supreme Court, a process that could take months. Lee said if the decision is upheld, it would have devastating consequences for Californians covered by all types of insurance: private, Medicare and Medi-Cal.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"This is really a decision which is truly beyond the pale,\" Lee said.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11712847/no-changes-for-californians-looking-for-obamacare-despite-federal-court-ruling","authors":["11260"],"programs":["news_72"],"categories":["news_457","news_8"],"tags":["news_2409","news_5164","news_19542","news_683","news_20277","news_3890"],"featImg":"news_11712855","label":"news_72"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.","airtime":"SUN 2pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Possible-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.possible.fm/","meta":{"site":"news","source":"Possible"},"link":"/radio/program/possible","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/possible/id1677184070","spotify":"https://open.spotify.com/show/730YpdUSNlMyPQwNnyjp4k"}},"1a":{"id":"1a","title":"1A","info":"1A is home to the national conversation. 1A brings on great guests and frames the best debate in ways that make you think, share and engage.","airtime":"MON-THU 11pm-12am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/1a.jpg","officialWebsiteLink":"https://the1a.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/1a","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=1188724250&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/1A-p947376/","rss":"https://feeds.npr.org/510316/podcast.xml"}},"all-things-considered":{"id":"all-things-considered","title":"All Things Considered","info":"Every weekday, \u003cem>All Things Considered\u003c/em> hosts Robert Siegel, Audie Cornish, Ari Shapiro, and Kelly McEvers present the program's trademark mix of news, interviews, commentaries, reviews, and offbeat features. 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But is this once sleepy suburb ready for them?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/American-Suburb-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/news/series/american-suburb-podcast","meta":{"site":"news","source":"kqed","order":"13"},"link":"/news/series/american-suburb-podcast/","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=1287748328","tuneIn":"https://tunein.com/radio/American-Suburb-p1086805/","rss":"https://ww2.kqed.org/news/series/american-suburb-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkMzMDExODgxNjA5"}},"baycurious":{"id":"baycurious","title":"Bay Curious","tagline":"Exploring the Bay Area, one question at a time","info":"KQED’s new podcast, Bay Curious, gets to the bottom of the mysteries — both profound and peculiar — that give the Bay Area its unique identity. And we’ll do it with your help! You ask the questions. You decide what Bay Curious investigates. And you join us on the journey to find the answers.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Bay-Curious-Podcast-Tile-703x703-1.jpg","imageAlt":"\"KQED Bay Curious","officialWebsiteLink":"/news/series/baycurious","meta":{"site":"news","source":"kqed","order":"4"},"link":"/podcasts/baycurious","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/bay-curious/id1172473406","npr":"https://www.npr.org/podcasts/500557090/bay-curious","rss":"https://ww2.kqed.org/news/category/bay-curious-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9jYXRlZ29yeS9iYXktY3VyaW91cy1wb2RjYXN0L2ZlZWQvcG9kY2FzdA","stitcher":"https://www.stitcher.com/podcast/kqed/bay-curious","spotify":"https://open.spotify.com/show/6O76IdmhixfijmhTZLIJ8k"}},"bbc-world-service":{"id":"bbc-world-service","title":"BBC World Service","info":"The day's top stories from BBC News compiled twice daily in the week, once at weekends.","airtime":"MON-FRI 9pm-10pm, TUE-FRI 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/BBC-World-Service-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.bbc.co.uk/sounds/play/live:bbc_world_service","meta":{"site":"news","source":"BBC World Service"},"link":"/radio/program/bbc-world-service","subscribe":{"apple":"https://itunes.apple.com/us/podcast/global-news-podcast/id135067274?mt=2","tuneIn":"https://tunein.com/radio/BBC-World-Service-p455581/","rss":"https://podcasts.files.bbci.co.uk/p02nq0gn.rss"}},"code-switch-life-kit":{"id":"code-switch-life-kit","title":"Code Switch / Life Kit","info":"\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />","airtime":"SUN 9pm-10pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Code-Switch-Life-Kit-Podcast-Tile-360x360-1.jpg","meta":{"site":"radio","source":"npr"},"link":"/radio/program/code-switch-life-kit","subscribe":{"apple":"https://podcasts.apple.com/podcast/1112190608?mt=2&at=11l79Y&ct=nprdirectory","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93d3cubnByLm9yZy9yc3MvcG9kY2FzdC5waHA_aWQ9NTEwMzEy","spotify":"https://open.spotify.com/show/3bExJ9JQpkwNhoHvaIIuyV","rss":"https://feeds.npr.org/510312/podcast.xml"}},"commonwealth-club":{"id":"commonwealth-club","title":"Commonwealth Club of California Podcast","info":"The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.","airtime":"THU 10pm, FRI 1am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Commonwealth-Club-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.commonwealthclub.org/podcasts","meta":{"site":"news","source":"Commonwealth Club of California"},"link":"/radio/program/commonwealth-club","subscribe":{"apple":"https://itunes.apple.com/us/podcast/commonwealth-club-of-california-podcast/id976334034?mt=2","google":"https://podcasts.google.com/feed/aHR0cDovL3d3dy5jb21tb253ZWFsdGhjbHViLm9yZy9hdWRpby9wb2RjYXN0L3dlZWtseS54bWw","tuneIn":"https://tunein.com/radio/Commonwealth-Club-of-California-p1060/"}},"considerthis":{"id":"considerthis","title":"Consider This","tagline":"Make sense of the day","info":"Make sense of the day. Every weekday afternoon, Consider This helps you consider the major stories of the day in less than 15 minutes, featuring the reporting and storytelling resources of NPR. Plus, KQED’s Bianca Taylor brings you the local KQED news you need to know.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Consider-This-Podcast-Tile-703x703-1.jpg","imageAlt":"Consider This from NPR and KQED","officialWebsiteLink":"/podcasts/considerthis","meta":{"site":"news","source":"kqed","order":"7"},"link":"/podcasts/considerthis","subscribe":{"apple":"https://podcasts.apple.com/podcast/id1503226625?mt=2&at=11l79Y&ct=nprdirectory","npr":"https://rpb3r.app.goo.gl/coronavirusdaily","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM1NS9wb2RjYXN0LnhtbA","spotify":"https://open.spotify.com/show/3Z6JdCS2d0eFEpXHKI6WqH"}},"forum":{"id":"forum","title":"Forum","tagline":"The conversation starts here","info":"KQED’s live call-in program discussing local, state, national and international issues, as well as in-depth interviews.","airtime":"MON-FRI 9am-11am, 10pm-11pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED Forum with Mina Kim and Alexis Madrigal","officialWebsiteLink":"/forum","meta":{"site":"news","source":"kqed","order":"8"},"link":"/forum","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/kqeds-forum/id73329719","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5NTU3MzgxNjMz","npr":"https://www.npr.org/podcasts/432307980/forum","stitcher":"https://www.stitcher.com/podcast/kqedfm-kqeds-forum-podcast","rss":"https://feeds.megaphone.fm/KQINC9557381633"}},"freakonomics-radio":{"id":"freakonomics-radio","title":"Freakonomics Radio","info":"Freakonomics Radio is a one-hour award-winning podcast and public-radio project hosted by Stephen Dubner, with co-author Steve Levitt as a regular guest. 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One of public radio's most popular programs, Fresh Air features intimate conversations with today's biggest luminaries.","airtime":"MON-FRI 7pm-8pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Fresh-Air-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/fresh-air/","meta":{"site":"radio","source":"npr"},"link":"/radio/program/fresh-air","subscribe":{"npr":"https://rpb3r.app.goo.gl/4s8b","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Fresh-Air-p17/","rss":"https://feeds.npr.org/381444908/podcast.xml"}},"here-and-now":{"id":"here-and-now","title":"Here & Now","info":"A live production of NPR and WBUR Boston, in collaboration with stations across the country, Here & Now reflects the fluid world of news as it's happening in the middle of the day, with timely, in-depth news, interviews and conversation. 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