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By Dr. Monica Soni

Navigating health insurance can often feel overwhelming, especially for individuals and families who are new to the system or unsure about their options.

At Covered California, we recognize that understanding health insurance is more than just choosing a plan –it’s about having the knowledge to make informed decisions that lead to healthier lives. That’s why this year’s open enrollment campaign, “Let’s Talk Health,” focuses on breaking down barriers and simplifying the complex language of health care.

Health literacy is critical for achieving better outcomes, reducing disparities, and ensuring every African American and Black Californian — regardless of their income, ethnicity, or background — has access to quality care. By making health insurance simpler to understand, we empower individuals to access preventive services, manage chronic conditions, and avoid costly medical bills.

Breaking Barriers in African American and Black Communities
This year, “Let’s Talk Health” places a special focus on supporting African American and Black communities, where systemic inequities in health outcomes persist. These communities often face higher rates of chronic conditions and challenges in navigating the health care system. To address these disparities, Covered California partnered with trusted organizations to provide information, tips and resources.

In San Francisco, Andre Atkins, Director of Programs at Rafiki Coalition, led a dialogue with Dr. Kim Rhoads, Community Engagement Director at UCSF Helen Diller Family Comprehensive Cancer Center; Destiny Williams, Health and Wellness Program Manager at Rafiki Coalition; and myself.

These conversations play a vital role in the pursuit of health equity by sharing power and creating spaces where our community can learn, share experiences, ask questions and connect with advocates who work daily to understand their unique needs. Through these efforts, we reaffirm our dedication to fostering equity and inclusion in health care, ensuring that every voice is heard and supported.

Why Health Literacy Matters
Health literacy goes beyond understanding health care terms. It’s about empowerment. It equips individuals to make informed decisions, from choosing the right health plan to finding a provider to deliver preventive care and seeking mental health services. At Covered California, we provide tools and resources, such as side-by-side plan comparisons and financial assistance details, to ensure everyone can navigate their options confidently and access the care they need.

Taking the First Step
Whether you’re a student, part-time worker, family of four, open enrollment is your opportunity to prioritize your health and your future. This year’s open enrollment period runs from Nov. 1, 2024, to Jan. 31, 2025, and we’re here to assist you every step of the way.

Consumers must select a health plan by the Dec. 31 to receive coverage for the entire year, starting Jan. 1, 2025.

To find the plan that’s right for you, and take the first step toward a healthier tomorrow, visit CoveredCA.com and fill out the application yourself or put in your ZIP code and connect with a certified agent in your neighborhood who can guide you through your options. Together, we can break down barriers and ensure that all Californians have the tools to thrive.

Dr. Monica Soni, MD, is the Chief Medical Officer for Covered California, where she leads efforts in health equity, quality transformation, and clinical innovation. As a practicing board-certified internal medicine physician and health care leader with over a decade of experience, Dr. Soni is committed to improving affordability, access, and outcomes for all Californians.

Oakland Post

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By Kimberly King and Victoria King

In a powerful demonstration of grassroots organizing, activists joined forces in direct action that started on Dec. 17 to call for the establishment of sanctuary communities across the West Coast

The goal of the effort is to raise awareness about misleading narratives around homelessness and to present concrete solutions to a crisis that leaves over 35,000 people unsheltered each night in the Bay Area.

The action, led by members of Oakland’s Wood Street Commons and Homefullness/Poor Magazine, represents a direct response to the U.S. Supreme Court and Gov. Gavin Newsom’s approach to homelessness. At the core of the movement is a fundamental truth: housing is a human right, not a commodity to be bought and sold for profit.

People who are homeless want real housing, not temporary shelters that are dangerous and crowded. The City of Oakland has been telling the public that the sweeps of encampments are an effective solution, but it just pushes people from block to block, wasting tax money on paying police officers overtime in a budget crisis. This is true at the state level too, where California spends $42,000 per person that is unhoused per year. The city and state could just help pay residents’ rent, rather than pay for police to harass people on the streets, many of whom have disabilities or are elders.

The coalition of organizations, led by people with lived experience of homelessness, coordinated their efforts to show the unity behind this movement, including setting up sweeps-free sanctuary communities and resource centers and presenting solutions to city council. The message is clear: unhoused residents refuse to remain invisible in the face of policies that have resulted in 347 deaths for people experiencing homelessness in Alameda County just this year alone.

The coalition presented four key demands, each addressing different aspects of the housing crisis. First, they called for the establishment of sanctuary communities instead of sweeps, urging the redirection of encampment management funds toward positive solutions like encampment upgrades and permanent low to no-income housing.

The second demand focuses on utilizing public land for public good, specifically identifying vacant properties like the Hilton Hotel on Port of Oakland land. The coalition emphasized the immediate availability of these spaces to house hundreds of currently unhoused residents.

Prevention forms the third pillar of the coalition’s demands, with calls for strengthened renter’s rights, rent subsidies, and a permanent moratorium on rental evictions and foreclosures for non-payment.

Finally, the coalition demands the defunding of coercive “Care Courts,” advocating instead for non-carceral approaches to mental health care and harm reduction.

The Poor People’s Campaign’s motto, “When we lift from the bottom, no one gets left behind,” encapsulates the spirit of the action. Daily activities, including opening prayers for those who have died while homeless, served as powerful reminders of the human cost of failed housing policies that treat housing as a commodity rather than a fundamental right.

As this crisis continues to unfold, these activist groups have made it clear that the solution to homelessness must come from those most directly affected by it.

About the Authors

Kimberly King and Victoria King are Oakland Residents who advocate for the unhoused and propose solutions to end homelessness and housing insecurity.

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