Best Health Insurance Agencies in Huntington Beach

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• When does Huntington Beach typically open enrollment for health insurance under the Affordable Care Act?

  Huntington Beach residents can enroll in health insurance plans under the Affordable Care Act (ACA) during the annual Open Enrollment Period, which runs from November 1 to December 15. The state of California may also open a Special Enrollment Period for people who have gone through qualifying life events, such as getting married, moving to a new house, having a child, or losing health coverage.

• Does Medicare Part B provide any dental coverage for Huntington Beach policyholders?

  Yes, it does. However, this only applies to dental costs that are a medically necessary component of another covered care for Huntington Beach policyholders. Cleanings and other common procedures such as dentures, crowns, or fillings are not covered. These treatments would have to be covered by a Medicare Advantage plan with dental benefits or by separate senior dental insurance.

• In Huntington Beach, will you face consequences for not having health insurance?

  If you do not have health insurance in Huntington Beach or the rest of California, you will be subject to a tax penalty unless you qualify for an exemption. Despite the fact that the federal tax penalty for lack of insurance has been eliminated, California approved a bill imposing a tax penalty on state residents.

• If you reside in a city or state other than Huntington Beach, California, is it possible to have numerous health insurance plans?

  According to the federal rules governing plans made available through an ACA marketplace, you can buy health insurance in both locations as long as you split your time between Huntington Beach and a location outside of California. If you want to prove your residency in both states where you currently live, you can purchase a new insurance policy each time you move.

• Does Huntington Beach have a waiting time for health insurance?

  According to California law observed in Huntington Beach, health plans may not impose waiting or affiliation periods on group health coverages in addition to those imposed by the company sponsoring the plan. In addition, waiting periods for preexisting conditions are prohibited. If you do not have health insurance and you live in California, you may be subject to a tax penalty.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.