We are just about a week away from Open Enrollment and there has been a lot of talk about “defunding Obamacare”.  I am not sure this is possible.  California’s state exchange, Covered California is ready for open enrollment.  I recently went to Covered California’s “certification training” so I can sell plans on the exchange.  I was taken back by how organized and ready to go the exchange is.  They are ready, lets make sure we are. 

Just to recap Covered California will be a marketplace for individual, families and small businesses to shop for health insurance.  Starting Oct 1st you will have the option to purchase on or off the exchange.  The main advantages to buying health insurance on the exchange are the tax credits available.  Individuals and families may qualify for a subsidy that will reduce your premium payments.  The subsidy will be based on your household income.  Small businesses with 25 of fewer employees that make an average of $50,000 of less may qualify for a tax credit.  The only way to get this credit is through the exchange. 

Ultimately, the success or failure of the entire program won’t be seen for years to come.  But as of this moment .. Health Care reform is here.  Are you ready??