Consumer, who attest that they were unaware of the possibility of a tax penalty,are allowed to enroll into a health insurance plan with  Covered California until April 30th 2015. Covered California just announced a new Special Enrollment Period for 2015. The tax penalty for not carrying health insurance will be roughly 2 % of your income or $ 325 per adult and $ 162.50 per child, whichever figure is higher. For an entire family it can be up to $ 975 or roughly 2% of the family's total income. The amount of the penalty will depend on the amount of your income, though those without insurance should also consider the economic risk of not carrying health insurance. In 2016 this penalty will double.

Many middle-income earner, who do not qualify for the subsidy program of Covered California choose Bronze plans to be able to afford the new health insurance premiums. However, Bronze plans carry a high risk in that they hardly cover anything until the first $5000 per individual or $10,000 per family is reached.

To reduce this financial risk, Assurant offers a basic accident insurance for $14.00 per individual or $ 21.00 per family, per month, which is a great supplemental insurance for young families. Cigna offers an accident and critical illness (cancer, heart attack, stroke) insurance for a monthly premium of  $24.00 per individual or $43.00 per family, perfect for the middle-aged consumers. Both supplemental insurance policies help lessen the financial burden of the high deductible Bronze plan .