SACRAMENTO-

On October first, 5.2 million Californians will begin the health coverage enrollment process laid out in President Obama’s Affordable Care Act.

For people like Carl Anthony, struggling to care for his wife and daughter, Obamacare is an attractive option.

“I am working part time right now. It is really hard to get by. Obama’s Medi-Cal is really going to open a lot of doors for us and other people too,” said Anthony.

If you are insured through your employer then you do not have to change anything. The plan is strictly for those looking for better rates or who can not afford health care.

Through Obama’s affordable care plan, your annual income determines how much you will have to pay.

There are three programs for individuals and families who need help. That includes help with premiums or other health care expenses.

“Basically, it is on a sliding scale. They will get subsidized co payments to the doctor and on some situations an immediate tax credit,” said Amber Lidskin, Covered California certified agent.

While it depends on family size and income, anyone including an individual who makes less than $15,415 per year qualifies for Medi-Cal, which is free.

“Nobody today would have qualified for Medi-Cal. It is really hard to get on for those who have a child,” said Margo Rose-Brunson, grandmother of uninsured teen.

Everything from regular check-ups to surgeries and medication is covered.

“Now if they are making more than $45,000 a year as an individual they do not get help anymore, but they still get access to health care because another thing that has been blocking people is having a pre-existing condition,” said Lidskin.

If you do not have coverage by the March 31st deadline, you will be fined 1% of your yearly income or $95 per person.

“And as each year goes by that gets bigger and bigger,” said Lidskin.

You will also be penalized for each child who is not enrolled.

For more information go to Coveredca.com.