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New
Health Insurance Coverage
Options
and Your
Health Coverage
PART A: General
Information
When key parts of the health care law take effect in 2014, there will be a new way to buy health insurance in California.
To assist you as you evaluate options for you and your family, this notice provides some basic information about a new
Marketplace called Covered California, and employment-based health coverage offered by your employer.
What is Covered California?
Covered California can help you find health insurance that meets your needs and fits your budget. Covered California
offers "one-stop shopping" to find and compare private health insurance options. You may also be eligible for a new
kind of tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through
Covered California begins in October 2013 for coverage starting as early as January 1, 2014.
Can I Save Money on my Health Insurance Premiums in Covered California?
You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage, or
offers coverage that doesn't meet certain standards. The savings on your premium that you're eligible for depends on
your household income.
Does Employer Health Coverage Affect Eligibility for Premium Savings through Covered California?
Yes. If you have an offer of health coverage from your employer that meets certain standards, you will not be eligible
for a tax credit through Covered California and may wish to enroll in your employer's health plan. However, you may be
eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing if your employer does
not offer coverage to you at all or does not offer coverage that meets certain standards. If the cost of a plan from your
employer that would cover you (and not any other members of your family) is more than 9.5% of your household
income for the year, or if the coverage your employer provides does not meet the "minimum value" standard set by the
Affordable Care Act, you may be eligible for a tax credit.
1
Note:
If you purchase a health plan through Covered California instead of accepting health coverage offered by your
employer, then you may lose the employer contribution (if any) to the employer-offered coverage. Also, this employer
contribution -as well as your employee contribution to employer-offered coverage- is often excluded from income for
Federal and State income tax purposes. Your payments for coverage through Covered California are made on an after-
tax basis.
How Can I Get More Information?
For more information about your coverage offered by your employer, please contact: Department of Human Resources,
707-654-1021 or check the campus HR benefits website (https://www.csum.edu/web/hr/aca-benefit-enrollment-
package) or summary plan description.
Covered California can help you evaluate your coverage options, including your eligibility for coverage through Covered
California and its cost. Please visit www.coveredca.com or call 888-975-1142 for more information.
1
An
employer-sponsored health plan meets the "minimum value standard"
if the
plan's
share of
the total allowed benefit costs covered
by
the plan
is no less
than 60 percent
of
such costs.
PART B: Information About Health Coverage Offered by Your Employer
This section contains information about any health coverage offered by your employer. If you decide to complete an
application for coverage in Covered California, you will be asked to provide this information. This information is
numbered to correspond to the Covered California application.
3.
Employer name
4.
Employer Identification Number (EIN)
5.
Employer address
6.
Employer phone number
7.
City
8.
State
9. ZIP
code
10.
Who can we contact about employee health coverage at this job?
11. Phone number (if different from above) 12. Email address
Here is some basic information about health coverage offered by this employer:
As your employer, we offer a health plan to:
All employees.
Some employees. Eligible employees are:
Regular appointment – employee is appointed in a benefits eligible classification with a time base of at least half-time (0.5 Full Time
Equivalent (FTE)) and with a length of appointment for at least six months and one day; or
AB 211 appointment – Lecturers and Coaches (R03) in applicable year class codes who are appointed for at least six (6) weighted
teaching units (WTUs) (i.e., 0.4 time base/FTE) for at least one semester or two consecutive quarters
With respect to dependents:
We do offer coverage. Eligible dependents are:
Current spouse/registered domestic partner
Natural, adopted, step, or registered domestic partner's children up to age 26
Disabled children of any age if enrolled prior to age 26
Children up to age 26 for whom the subscriber has assumed a parent-child relationship and is
considered the primary care parent
We do not offer coverage.
If checked, this coverage meets the minimum value standard, and the cost of this coverage to you is
intended to be affordable, based on employee wages.
** Even if your employer intends your coverage to be affordable, you may still be eligible for a premium
discount through Covered California. Covered California will use your household income, along with other
factors, to determine whether you may be eligible for a premium discount. If, for example, your wages vary
from week to week (perhaps you are an hourly employee or you work on a commission basis), if you are
newly employed mid-year, or if you have other income losses, you may still qualify for a premium discount.
If you decide to shop for coverage in Covered California they will guide you through the process. Here's the employer
information you'll enter when you visit
Covered California
to find out if you can get a tax credit to lower your monthly
premiums.
CSU Maritime Academy
94-6001347
200 Maritime Academy Drive
707-654-1021
94590
707-654-1021
breece@csum.edu
CA
Barbara Reece
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Completed 16 July 2020

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