Healthcare and Health Insurance


The skyrocketing cost of healthcare has had a strong impact on working families and has created some tough bargaining battles in CSEA chapters. That's why we have been working as your advocate at the local, state and federal levels to ensure that you receive the best healthcare possible without sacrificing your pay or other benefits. As your union, we are here to help you get the healthcare benefits you need and deserve.

Through CSEA’s Health and Welfare Task Force, staff experts at every field office share the best negotiations options to cope with rising healthcare costs. We also help qualifying members learn more about the new Covered CA health insurance exchange and government-sponsored coverage such as Medi-Cal and Medicare. CSEA’s Member Benefits program also offers voluntary and supplemental insurance to individual members at a group rate.

National healthcare reform

In 2010, President Obama signed major healthcare reform legislation, commonly known as the Patient Protection and Affordable Care Act (ACA).

The ACA provides many new benefits for Americans. It prohibits insurance companies from denying healthcare based on pre-existing conditions, and bans them from dropping coverage when people get sick. The healthcare reform bills will extend coverage to millions of Americans who were previously uninsured and require all insurance plans that provide dependent coverage to cover dependents up to age 26. The ACA also caps out-of-pocket costs, and will close the Medicare prescription drug “donut hole” by the end of the decade.

Information and resources

Download CSEA's ACA Questions & Answers (PDF)

American Fidelity Assurance Company, a CSEA partner, has created the website, to help employers understand the ACA’s new requirements. American Fidelity has also provided CSEA with a Healthcare Reform Checklist, which can be downloaded for reference. It includes a timeline of effective dates for the changes that are being implemented between 2010 and 2018.

What is the estimated amount of premium tax credit for different household incomes?

Answer: The following table illustrates the estimated premium tax credit amounts for different household incomes:

Estimated Federal Premium Assistance

Source: All data from this chart was estimated using Kaiser Family Foundation's Healthcare Reform Subsidy Calculator. The total premium used is the estimated premium for a 45-year old taxpayer with a family of four.