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UnitedHealthcare Special Open Enrollment for Employees to Take Advantage of SB 78

UnitedHealthcare Special Open Enrollment for Employees to Take Advantage of SB 78

UnitedHealthcare Special Open Enrollment for Employees to Take Advantage of SB 78, Carrier News,

While the federal government eliminated the minimum health care coverage mandate under the Affordable Care Act, the California Legislature passed SB 78 on June 27, 2019, which among many other things, institutes an individual mandate requiring California residents and their dependents to obtain minimum health coverage throughout the year beginning January 1, 2020 and to avoid paying penalties when filing 2020 state income tax returns in 2021.

The good news — UnitedHealthcare will allow employees and/or their dependents, who previously declined coverage in 2019, a special open enrollment for January 1, 2020 coverage.

Many people already have qualifying health insurance coverage, including employer-sponsored plans, coverage purchased through Covered California or directly from insurers, Medicare, and most Medicaid plans.

Under the new mandate, those who fail to maintain qualifying health insurance coverage could face a financial penalty unless they qualify for an exemption.

The Franchise Tax Board (FTB) is authorized to impose a penalty of up to $695 annually against individuals who fail to secure coverage that complies with the mandate when they file their 2020 state income tax return for 2021. The penalty for a dependent child is half of what it would be for an adult.

The penalty is based on an individual’s income and the number of people in their household. To avoid a penalty, California residents need to have qualifying health insurance for themselves, their spouse or domestic partner, and their dependents for each month beginning on January 1, 2020. Learn more.

Brokers and agents can provide great service to their clients who offer UnitedHealthcare medical plans by explaining the new mandate and UnitedHealthcare’s unique solution for employees and dependents currently without coverage. For more information, contact Claremont Insurances Services, a UnitedHealthcare general agent partner.

Contact the small group experts at 800.696.4543 or



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