Health Insurance: Your Rights Under State Law

When it comes to tax time, many people neglect the fact that they need to be aware of what their rights are under state law. Health insurance is no exception. If there is a specific question you have about your health insurance coverage, pay close attention to the heading "Your Rights Under State Law."

State law will override federal law on some points; however, in general state laws typically do not count as much as federal laws.

For example, in order to register for the new health care exchanges created by the Affordable Care Act (ACA) you must comply with the ACA. If you do not follow state law, your insurance will not cover you and if you fail to pay your premiums and payments in full it will likely result in a dolorous debt collection agency pounding on your door. The biggest danger is that your actions will result in fines or other penalties imposed by the ACA. 

You are entitled to both private and public health insurance coverage under federal law. Federal law does not give specific rights or benefits to its citizens; however, as a citizen of the state of California, you are entitled to both private and public health insurance coverage under state law.

Under California law, you are entitled to be reimbursed for claims and expenses incurred because of treatment from a health care provider. You are also entitled to full information about the type of coverage that is provided under your private or public health insurance plan.

Under state law you are also entitled to public health insurance coverage. If you have a low income and are unemployed, or if you are employed and do not receive health insurance coverage due to the cost of premiums and other payments on your behalf, you can qualify for public health insurance coverage. If you are disabled, there are also government programs that can potentially allow you to qualify for public health care coverage.

In addition, if your employer does not provide health insurance to employees who work more than 20 hours per week, they will be required by state law to make payments towards the cost of your health care premiums.

If you are interested in learning more about your rights under state law, the California Department of Medicare and Rehabilitation Services is a great place to turn to for information on how to maximize benefits.

Also, if you are struggling to pay premiums on your own private or public health insurance plan, the department will be able to provide assistance. There is also an Emergency Applicant's Medical Assistance (EAM) program that works in conjunction with the department. This program provides assistance even if you are not eligible for Medi-Cal or Private Health Insurance; however, this program is only ideal if you have limited options and resources since there are no long term benefits in terms of paying for coverage on your own.

Overall, you should be aware of your rights as a citizen of California. The Affordable Care Act can be confusing and can cause many people to fall through the cracks; take advantage of the benefits offered to you as a state resident and you will be able to enjoy the coverage that is provided by the government in terms of both health insurance and other social services. 

If your employer doesn't provide health insurance coverage, you may also qualify for Public Health Insurance. Medi-Cal is California's Medicaid Program, so if your income is low enough, you can qualify for this program as well. More information on how to apply for Medi-Cal or other programs in California can be found at: http://oag.ca.gov/medicaid/

This article was written by Steven B. Fisher II, Esq., an attorney for the law firm of Fisher & Associates, P.C. To contact Mr. Fisher you may email him at steven@fisherassociatespc.com or call his office at (408) 776-1733

The information contained in this article is for education and general informational purposes only and does not constitute legal advice or legal opinion on any subject matter. The website law4louisianagroup, its publisher, its site host, and the lawyers in this blog do not accept any liability related to your interpretation of this information or your use of it to make decisions about your legal needs...or on anything else. Taking action based on this information is completely your responsibility and/or risk. 

The articles, blog posts, and other materials that you read at the law4louisianagroup website are provided for general informational purposes only and may or may not be entirely accurate. If you have questions about your legal rights as they relate to any specific fact situation, you should contact an attorney licensed in the jurisdiction where those rights arise to assist you in discussing your situation.

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This article was written by Steven B. Fisher II, Esq., an attorney for the law firm of Fisher & Associates, P.C. To contact Mr. Fisher you may email him at steven@fisherassociatespc.com or call his office at (408) 776-1733

The information contained in this article is for education and general informational purposes only and does not constitute legal advice or legal opinion on any subject matter. The website law4louisianagroup, its publisher, its site host, and the lawyers in this blog do not accept any liability related to your interpretation of this information or your use of it to make decisions about your legal needs...or on anything else. Taking action based on this information is completely your responsibility and/or risk. 

The articles, blog posts, and other materials that you read at the law4louisianagroup website are provided for general informational purposes only and may or may not be entirely accurate. If you have questions about your legal rights as they relate to any specific fact situation, you should contact an attorney licensed in the jurisdiction where those rights arise to assist you in discussing your situation.

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This article was written by Steven B. Fisher II, Esq., an attorney for the law firm of Fisher & Associates, P.C. To contact Mr.

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This article was written by Steven B. Fisher II, Esq., an attorney for the law firm of Fisher & Associates, P.C. To contact Mr. Fisher you may email him at steven@fisherassociatespc.com or call his office at (408) 776-1733

The information contained in this article is for education and general informational purposes only and does not constitute legal advice or legal opinion on any subject matter. The website law4louisianagroup, its publisher, its site host, and the lawyers in this blog do not accept any liability related to your interpretation of

This article was written by Steven B. Fisher II, Esq.