At Silverado, our plans are considered affordable and provide minimum value as defined by the Affordable Care ACT OR health care reform. As a result, you are not eligible to receive a subsidy if you decide to waive your Silverado medical coverage and enroll in a plan on the health insurance marketplace.

Effective January 1, 2019 there is no longer a federal penalty for not enrolling in health insurance. However, many states, including CA, have enacted state individual mandates that carry penalties if you are not covered.

To learn more about health care reform, visit and