April Larson Insurance Services

11/13/2025

Have a Covered California account? Here's what you need to know:

🚨 ACTION REQUIRED: Covered CA 2026 Changes are Here

The Health Insurance Landscape in California is Shifting—Here's What You Need to Know for 2026 Coverage.

The upcoming Open Enrollment period is one of the most critical in years. With major federal changes and rising healthcare costs, every Covered California enrollee needs to actively review their plan.
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1. The Biggest Financial Change: Federal Subsidies Are Expiring
The enhanced federal premium tax credits, which helped lower monthly premiums for many Californians, are set to expire on December 31, 2025, unless Congress acts to extend them.

• Who is most affected? Households with income above 400% of the Federal Poverty Level (FPL) will lose access to the enhanced subsidies entirely. This group will see the steepest premium increases, in some cases paying the full, unsubsidized cost for the first time in years.
• The Bottom Line: If your household income is in the middle-to-higher range, your monthly premium could skyrocket. This year, you must use the Shop & Compare tool to see your new actual cost.
2. Premium Increases are Significant
Covered California has announced a preliminary weighted average rate increase of just over 10% statewide for 2026. This is roughly double the typical annual adjustment.
• Why the increase? Rising prescription drug costs, medical inflation, and the general cost of providing care are driving these higher rates.
• What You Need to Do: Don't assume your current plan will be the most affordable option. A 10% average increase, combined with a potential loss of subsidies, means you must shop around, even if you like your current plan.
3. The Silver Plan Rollback (Cost-Sharing Changes)
Benefit designs are evolving, especially for Silver plans:
• The Silver 73 Rollback: Many middle-income households (e.g., those between 200% and 250% FPL) who previously qualified for the Enhanced Silver 73 plan will see the cost-sharing benefits reduce.
o This means higher deductibles and out-of-pocket maximums for a significant number of consumers who will be moved to the standard Silver 70 plan.
• New Plan Features: For plan year 2026, many Bronze plans are being updated to be Health Savings Account (HSA) eligible for the first time, offering new tax-advantaged options for those who prefer a lower premium and are comfortable with a higher deductible.
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Key Action Dates
What is Happening Date

Deadline for Jan 1st Coverage: Enroll or renew by this date. December 31, 2025
Open Enrollment Ends: Last day to enroll for 2026. January 31, 2026

Your Next Step
I am a Certified Covered California Agent, and my job is to help you navigate these complex changes at no extra cost to you. I can quickly compare all the plans available to you, confirm your new subsidy eligibility, and find the most cost-effective solution for your budget and medical needs.

➡️ Don't wait until the last minute! Let's schedule a time to review your options starting October 15th so you can secure the best coverage before the December 31st deadline.

Send a message to learn more

10/16/2025

📣📣📣📣

For those of you who are looking for changes for the upcoming year, open enrollment is just two weeks away! 📅

Considering obtaining assistance for a Covered CA subsidy?? Call for help!

Considering not going through Covered CA? Call for help!

As of Oct 15th, you can SHOP AND COMPARE what you can qualify for.

Services are absolutely FREE OF CHARGE!!

Important Information
• Open Enrollment Dates: November 1, 2025, to January 31, 2026.

• New for 2026:

o Subsidies: Enhanced federal premium tax credits are scheduled to expire, potentially raising costs for many. California has allocated $190 million to help maintain subsidies for low-income residents.
o Premiums: A preliminary weighted average rate increase of 10.3%.
o Carrier Changes: Aetna CVS Health will no longer be offered through Covered California.
o New Rules: Be aware of new requirements regarding tax filings and past-due premiums to maintain eligibility.

PARTNER WITH AN EXPERT WHO YOU CAN TRUST!!

Send a message to learn more

08/27/2025

Attention!!
• Open Enrollment Dates: November 1, 2025, to January 31, 2026.

What's New for 2026:
o Subsidies: Enhanced federal premium tax credits are scheduled to expire, potentially raising costs for many. California has allocated $190 million to help maintain subsidies for low-income residents.
o Premiums: A preliminary weighted average rate increase of 10.3%.
o Carrier Changes: Aetna CVS Health will no longer be offered through Covered California.
o New Rules: Be aware of new requirements regarding tax filings and past-due premiums to maintain eligibility.

🗓️ The countdown to 2026 health coverage is on! Open enrollment for Covered California begins November 1st. Now is the perfect time to start thinking about your health care needs.

Send a message to learn more

01/22/2025

January 31st is the deadline for open enrollment. Now is the time to make changes top your health insurance. Your needs from last year may differ to your needs this year. Please call me if you need assistance in determining if you have the correct plans.
It's important to check if your doctor/medical group is still in network with your current insurance carrier.
I'm here to help!
619-548-0237, call me to make an appointment.

Send a message to learn more

11/01/2024

It's officially open enrollment for 2025! This is the time to make changes to match your insurance needs. Every year, it's a smart move to review what has changed in your insurance plans. You may have needed a rich (in benefits) plan last year, but no longer need that this year or vice versa. Let's look at what you have together and see if I can find something better for you.

Call/Text/Email me for an appt now.
619-548-0237
[email protected]

10/31/2023

10/31/2023

Open Enrollment officially starts tomorrow, Nov 1st. If you or anyone you know is in need of my assistance, please don't hesitate to reach out.

What can you do during open enrollment?
1. Change plans.
2. Change carriers.
3. Update your information on Covered CA (If applicable).
4. Add family members to your plan (under 26 for dependents).

Open Enrollment is during November 1st - January 31st, 2024.

Book an appointment with me and I can help you determine if you are on the right plan.

My services to you are absolutely FREE!!

11/01/2022

Open Enrollment for 2023 is officially here! What does this mean for you?
This is the time to change plans or carriers. If you have a Covered CA account, this is also the time to verify your current information and make sure it's all up to date.
Call me and set up an appointment to make sure you're on the right plan!

11/06/2021

Open Enrollment for 2022 is now until Jan 31st for California. Schedule with me now to review your insurance options!! Call a professional who has bee in the business for over 20 years!!
Cell:619-548-0237
Email: [email protected]

04/20/2021

Special Enrollment is happening right now. There are plenty of news on the American Rescue Plan Act. With the ARP, you may qualify for even more help and if you are off exchange, you can apply for an on exchange plan and take advantage of the advance premium tax credit! Call me to discuss your options.

The American Rescue Plan was signed into law by President Biden on March 11, 2021. The new law increases premium assistance available through exchanges and removes the “cliff” that makes people ineligible for subsidies if their income exceeds 400% of the Federal Poverty Level for 2021 and 2022. Covered California is working hard to implement these benefits quickly.

New Benefits

-Consumers at any income level may be eligible for more financial assistance because the consumer’s required contribution was lowered across the board.
-Consumers who enroll in Covered California health plans will not have to pay more than 8.5% of their household income.
-Consumers who earn more than 400% of the Federal Poverty Level may be eligible for federal financial help for the first time.
-Consumers receiving unemployment compensation during 2021 may be eligible for the maximum amount of subsidies if enrolled in Covered California plans.