Covered California Question

Hello! I am going to be resigning from my job as a teacher soon due to a diagnosis in Ulcerative Colitis. I am currently on high cost medication. I am looking into covered CA for health insurance and was hoping I could get a few questions answered here.

If it is based on this years income, I made about 10,000 and only qualify for Medical, something I don’t want due to my costly infusions and I believe it would impact me seeing my current specialist. If it’s based on last years income, I made about 50k, which opens me up for more plans which I’d prefer, since I live at home and saved money I’d rather get better insurance. Which income year is the quote based off of?

How do I know if a plan will accept my current doctor? I was referred to a IBD clinic at UCSF and that is something I do not want to lose.

When would coverage start? I believe since losing a job is a qualifying event I would be covered the following month, but is this not true or has anyone had issues with actually getting the insurance started?