Bernardini & Donovan Insurance Services


Individual & Family Health Reform

One of the founding principles of the PPACA effective January 1, 2014, surrounds requiring every American to have a qualified health insurance plan, or be subject to a tax penalty. The greatest benefit of that requirement is the fact that no one can be declined coverage for a medical reason.

Each state was asked to develop an “exchange” or in other words a “market place” where an individual consumer can obtain an individual or family health insurance plan. Some states have elected not to participate in building their exchange and consequently the United States Government will provide citizens in these states with plan alternatives.

The State of California has elected to operate their own exchange and will be allowing insurance agents to educate and enroll residents into any of their plans.

Each plan participating in the Exchange must meet standardized affordability, essential benefit and consumer protection requirements, and provide four benefit levels:

family health insurance
1 %
Bronze Plan

(Actuarial value)

1 %
Silver Plan

(Actuarial value)

1 %
Gold Plan

(Actuarial value)

10 %
Platinum Plan

(Actuarial value)

Below are links with important information for your convenience. Please feel free to contact us via email or phone with any questions.


DMHC Health Reform Toolkit Families


DMHC Health Reform Toolkit Pre Existing Conditions


Reform Checklist


Individual Mandate Flowchart


Covered California Plan Designs


Covered California 2014 Standard Plans for Individuals


Covered CA 2014 Sliding Scale Plans for Couple


Covered California Fact Sheet