California Mandating Individual Coverage - SB 78


Despite the fact that 93% of Californians have health insurance, as part of its 2019 budget, the California legislature passed and Governor Newsom signed into law - The Minimum Essential Coverage Individual Mandate”. This mandate is modelled after the federal Affordable Care Act (ACA).

The new mandate, effective January 1, 2020, requires California residents (who are not already covered by individual or group health coverage) to enroll in qualified insurance coverage for each month of the year, with exemptions for individuals on the basis of financial hardship or religious beliefs as determined by the state’s healthcare exchange, Covered California.

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