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The Steps Plan allows you to start out paying only 20 to 80 percent of the total monthly rate, depending on your family size and income. Then every year, for up to four years, you'll pay a larger portion of the full rate, regardless of any changes to your income level. By then, we hope you'll be able to afford the full rate of one of our full-priced plans, should you decide to apply. We think once you receive care year after year with the same health plan, you won't want to go without it again.
Here are some examples of how the Steps Plan works.
 The Arroyo family income qualifies them to pay 20 percent of the total rate the first year they join the plan. Regardless of any change in income, the second year, they pay 40 percent, the third, 60 percent, and the fourth year, 80 percent. After that, thanks to careful planning and the money they'll save, the Arroyos will leave the Steps Plan, apply for one of our full-priced plans, and pay 100 percent for it. |
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 The McClure family income qualifies them to pay 40 percent of the total rate the first year. The following year, regardless of any change in income, the McClure family still moves to the next plan level and pays 60 percent of the total rate. (For example: Mr. McClure gets a big raise or he becomes unemployed.) In the third year, they pay 80 percent of the total rate. After that, they leave the Steps Plan, apply for one of our full-priced plans, and pay 100 percent for it. |
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 The Quan family enters the plan at the highest level, qualifying to pay 80 percent of the total rate for one year. The following year they leave the Steps Plan, apply for one of our full-priced plans, and pay 100 percent for it. |
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What about your family? See if you're eligible and find out the rates you might pay if you live in Northern California or Southern California.
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