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The Individual Mandate Could Be Coming Back to California

It looks as if California will be reinstating the Individual Mandate. Earlier this year, identical bills were brought to the California Senate and Assembly calling for all Californians to have health insurance coverage by 2020 or pay a tax penalty. These were brought forward to reverse the repeal by Congress of the federal order that was a part of the Affordable Care Act.

Since the Affordable Care Act came into effect, California’s uninsured rate dropped from 20% to 7%.

“I don’t see a very rosy picture of what is happening now that the (federal) mandate is gone,” said Bill Youngblood of According to UC Berkeley Center for Labor Research and the UCLA Center for Health Policy Research, it’s believed that without some form of mandate, “up to 800,000 more Californians under age of 65 will be uninsured by 2023.” “The pricing of insurance will increase without a mandate. You need everyone paying into the system to keep insurance premiums down. Insurance premiums paid without the mandate will not be enough to make a healthy insurance system for California or even the country.”

According to UC Berkeley Center for Labor Research and the UCLA Center for Health Policy Research, it’s believed that without some form of mandate, “up to 800,000 more Californians under age of 65 will be uninsured by 2023.”

In 2018, 3.4 million, or seven percent of Californians were uninsured. In 2019, Covered California, the states health insurance marketplace, saw new enrollment for health insurance drop about 24%. The agency attributes to the removal of the federal mandate.

“We need young people to pay into the health insurance system, even though they think they will live forever and nothing will ever be wrong with their health,” Youngblood said. “By everyone paying into the system, it helps keep insurance prices stable and more affordable for everyone.”

To learn more about choosing a health insurance plan to protect you and your loved ones, contact the professionals at HealthCareInsurance.company at (855) 401-8383. Our licensed insurance experts will be happy to answer any questions you have!

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