The Affordable Care Act allows people who earn up to 133 percent of the federal poverty level ($37,200 for a family of four) to buy insurance.
The act also requires people who have been denied coverage under the Affordable Care Exchange to obtain a new, cheaper plan from the federal government.
For people who don’t qualify, they’ll have to pay out of pocket.
But if they are able to afford a new policy and find a doctor who is willing to treat them, they can then shop for one through the exchanges.
The law requires insurers to offer plans that meet certain standards, but it does not require them to.
“If you’re not able to get insurance on the exchange, you have to shop,” said Dr. Michael McQuillan, a spokesman for the state Department of Health Services.
“You have to make your own decision.
But it’s something you have the right to do.”
“It’s like getting a new car,” said Jennifer Fagan, a 27-year-old medical student who lives in Orange County.
The law requires that people pay for the first two months of coverage on their own.
But once coverage begins, they will have to share the cost of other bills.
If they have to borrow money to pay for an out-of-pocket maximum of $2,500, they have a 60-day window in which to switch to another plan or pay it off in full.
If you get sick and are not insured, the insurer can still deduct your premiums.
If an insurer wants to keep you insured, it must pay the full cost of the service.
Fagan said she plans to pay the bill from savings she earned from work and a degree in nursing.
“I want to have insurance for my family, for myself,” she said.
“I don’t want to be dependent on my employer to pay it for me.”
Health care experts say the law has allowed many people to save money by skipping the exchanges and saving for the premiums they will need to pay.
Some are turning to other sources of income to pay their bills, like rent or car payments, said Sarah Gertz, a senior research analyst at the Kaiser Family Foundation.
Insurance companies are required to provide health insurance for their employees, but some employers don’t offer that.
The ACA also requires insurers offering plans in the exchanges to cover preventive care, including vaccinations.
And while some states have expanded Medicaid to cover low-income people, the federal program for the poor, which helps people pay premiums, has not been expanded.
It’s possible to find a health care provider who will cover all or part of your medical expenses, but that may not be easy, said Mark Menezes, a professor of health policy at George Washington University who specializes in health care costs.
“It’s just not a good option,” he said.
Health insurance has become an issue in the presidential race as Hillary Clinton, a Democrat, seeks to raise the minimum wage to $15 an hour by 2024 and expand Medicaid.
The federal minimum wage has not increased since 1993.
While she has proposed raising the federal minimum to $13 an hour, Clinton has yet to propose a higher minimum for California, which has a higher cost of living.
Trump has proposed rolling back many of the ACA provisions.
At least 10 states have raised their minimum wage above $15, and four have repealed the ACA’s requirement that employers provide health coverage.
A state’s minimum wage and cost of providing health insurance can be set independently by the state or by the federal Department of Labor.
Even if you don’t get health insurance, you can still have a better insurance policy than the one you currently have, said Dr, Robert Casteel, a medical doctor in Sacramento, California.
You have less to worry about with the new law, said Jodi Zell, a retired nurse and health insurance consultant who lives near Sacramento.
You don’t have to worry if you get your health insurance canceled.
“You don’t lose your job, you don.
You get more benefits, you get a better rate,” she added.
But even with coverage, some people may be worried about the cost.
I’m scared, I’ve been told,” said Michelle Anderson, a 25-year old from Sacramento.
Anderson, who works part time as a cashier at a supermarket, said she wants to get her own insurance to help cover her rent.
She’s concerned about the impact of the new insurance law, which she believes will cause more Americans to lose their health insurance.
If I’m not covered by the Affordable care act, I’m afraid I will lose my job, she said, adding that she is worried about her health insurance coverage being canceled.
But she said she’s hopeful that her job will eventually be reinstated.
That’s something that I’m working towards, she added, but at this point, I have no confidence