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Insurance Agents Drive High Asian Enrollment on Covered California

Covered California application in Chinese.

Covered California application in Chinese.

While Latino enrollment has lagged in Covered California enrollments, Asians have signed up on the state’s marketplace in numbers outstripping their representation in the insurance pool. According to new Covered California data, the overwhelming majority of Chinese, Korean and Vietnamese enrollments are coming through certified insurance agents as opposed to community groups or the Covered California website.

There is no charge to consumers who work with agents, whose commissions are paid by insurance companies.

Since January, Asians have been enrolling in strong numbers. People of Asian descent make up about 14 percent of the Covered California pool, according to estimates compiled by the UCLA Center for Health Policy Research and the UC Berkeley Labor Center. Starting with the first release of demographic data in January, Asians were already on target, reaching 13.5 percent of all enrollees. In the most recent data from Covered California, which comprised enrollment from Oct. 1 to Feb. 28, Asians made up 22.9 percent of all enrollees.

Licensed insurance brokers can sell customers plans on the Covered California marketplace, but they must first be specially certified to do so. Covered California says 40 percent of its total Covered California enrollments are coming via these certified insurance agents. But within certain Asian sub-populations, the percentage is much higher, Covered California says: Continue reading