Apply for Covered California Health Insurance

by Wendy Barnett

When you have lost your job, your medical insurance from your employer can end, too.  Being without work can be a stressful time, but understanding your health insurance options doesn’t have to be. There are four important things to know when you have lost your job health insurance:

Did you know that since the Affordable Care Act took effect, most people must apply for their health insurance during a particular period of time each year? This period, which is called Open Enrollment, occurs annually in the fall. Once Open Enrollment closes, a Special Enrollment Period begins in which applicants must experience a Qualifying Life Event in order to apply.

Since the beginning of the COVID-19 outbreak, there have been over 1 million reported cases and over 50,000 associated deaths in the United States. As COVID-19 continues to impact communities across the country, people need access to health care more than ever. Unfortunately, many people — including Californians —...

The Affordable Care Act significantly reduced the number of uninsured people in California. In 2013, the uninsured rate in the state was 16 percent, but that figure dropped to nine percent in 2015. That means there are still nearly three million people in the state without insurance. Cost is one of the top reasons people remain without health coverage. In 2018, premiums in California increased an average of 12.5 percent, and they are expected rise 8.7 percent next year. 

Although price can be a barrier, health insurance is an important investment. If you get sick or have an unexpected accident, you will need to pay for that completely out-of-pocket without insurance. A three-day stay in the hospital can cost approximately $30,000. Most people do not have that kind of money on-hand, which means they will end up carrying a significant amount of medical debt.

Other uninsured people do not sign up coverage because they are intimidated by the process, but getting insurance through Cover...

by Wendy Barnett

Qualifying Life Events (QLE) are big life occurrences called triggering life events that allow you to enroll in individual or family health insurance outside of the Open Enrollment Period. There is a whole list of life events that can be applicable, but this article will cover moving.

You may have a QLE if you have recently moved to California and sometimes if you have moved within California. Here are the important guidelines:

It is important to know that Covered CA does require a random selection of applicants who enroll during Special Enrollment Period (SEP) to provide verification documents for their qualifying life event.

For some people, moving occurs in stages and not on one specific day, so it may be hard to pin down the actual date of your permanent move.  In this situation, it can be helpful to review Covered California’s list of SEP verification documents. See the section that pertains to moving below. Covered CA allows you to provide any one of the followin...

by Wendy Barnett

Uninsured Californian’s are receiving notices from the IRS urging them to get health insurance so that they will not have to pay a tax penalty. Notices went out in December ’16 and January ’17; and are the first time the IRS is reaching out to uninsured consumers since the Affordable Care Act went into effect. Consumers are being reminded that they can still apply for Obama Care during the annual Open Enrollment Period to avoid paying a tax penalty or the “Individual Shared Responsibility Payment” again.

Open Enrollment is the only time you can enroll for your health insurance unless you have a Qualifying Life Event.   This year Covered CA’s Open Enrollment is from November 1, 2016 through Jan. 31, 2017.  That’s why the reminder notices are going out in December and January.  Now is the time for uninsured Californian’s to apply.  If they don’t get their coverage in place this month, they will have to go the whole year without insurance and be subjec...

by Wendy Barnett

Did you forget to apply for your health insurance for January 1st?  Or maybe you encountered difficulties submitting your application and could not get the assistance you needed to complete it. Don’t worry, you still have time to apply for Covered California. Open Enrollment is still open!

If you did not apply in time to start your coverage for January, you can still apply now for February. You can get a free quote and apply on-line at out California Health Insurance Quotes page. Our Covered CA certified agents can assist you with all of your questions and help you see if you qualify for a subsidy or tax credit. Don’t delay, apply by Jan. 20th to get your coverage started for February.

Open Enrollment is the set time period where individuals can apply for their health insurance. Individuals are not allowed to apply at other times of the year unless they have a Qualifying Life Event.  During Open Enrollment, individuals can apply for a new health insurance plan or ma...

by John Hansen

Breaking News!
– December 14, 2016 – According to Covered California, “The plan selection deadline for a January 1, 2017 coverage start date has been extended to
Saturday, December 17.” 

The California Health Exchange previously said they would not extend the deadline this time, but they were surprised due to an excessive amount of applications received this week. There has been increased interest in enrollment for the new year.

The Open Enrollment Period continues through January 31st. During this time, you can register for Obamacare without any qualifying life events.

If you complete the Covered California Application by Saturday, then you can still get a January 1st effective date. Plans selected between December 18, 2016 and January 15, 2017 will have a February 1, 2017 coverage start date, and those who apply between January 16, 2016 and January 31, 2017 will have a March 1, 2017 coverage start date.

Today, Covered CA announced the deadline extension and cu...

Posted: December 15th, 2016 under Covered California Insurance, Apply with Covered California

by Jessica Howland

On November 17th the Covered California Website, released the new Help On-Demand tool for consumers looking for local assistance at the click of a button. This tool has been added this year on top of the already successful Covered California Storefront program that allows consumers to find assistance at a local walk-in establishment that is personal and free.


Help On-Demand caters to those consumers that still want the expertise of someone local, but with the added convenience of having a Covered California certified agent/enroller call them. The tool asks the consumer if they are enrolling and if they need help right now an available broker or enroller can call or email them back. This tool is designed for those who are newly enrolling and not for existing Covered California members. Existing members are directed to call their certified agent/enroller who assisted them in enrolling or calling the Covered California Service Center.

To receive a call, a simple form req...

Posted: November 30th, 2016 under Covered California Insurance, Apply with Covered California

By John Hansen

Covered California’s Open Enrollment began on November 1, and the State Exchange kicked off their 2017 tour this weekend, Saturday, November 12 in San Diego. The tour will continue through major areas of California and will conclude in Santa Cruz on November 19.

Learn more about your healthcare options, up-front government tax credits and the future of Obama Care in California by attending one of these events. Also, agents are invited to come to tour events to help support Covered California’s mission in the community. See the updated tour event schedule below.

Political tides are changing, and this has produced some uncertainty in the market. Come with your questions to any of the events below. Your health care matters to you, and it matters to Covered California.




Posted: November 11th, 2016 under Covered California Insurance, Apply with Covered California

by Jessica Howland

Today marks the start of Covered California’s 4th annual Open Enrollment Period for the 2017 benefit year. Mark your calendar! The dates for this year’s “Open Season” as some are calling it are:

November 1st-January 31st

Effective dates will vary depending on when a Covered California application is submitted.

The last day of the 2017 Open Enrollment Period will be January 31st.

The Open Enrollment Period allows those who don’t have health insurance, or a qualifying life event to sign up on an individual or family health plan for 2017. It’s also a time for those already enrolled with Covered California to renew their existing health plan, or change levels of coverage or insurance companies.   

With Covered California’s rates increasing an average of 13.2% statewide, they are heralding the message for consumers to shop around. The PPO plans offered by Anthem Blue Cross and Blue Shield have the highest rate increase, so we can expect to see people looking...

by Esmeralda Mercado

Effective January 1st 2017, most California private health insurance rates will increase an average of 13.2%. The actual rate change will vary, based on:

In a few cases, monthly rates will go down; in most cases, the rates will go up, some as much as 36%. For many consumers, this may mean making drastic changes to ensure that their health plan is affordable. See below for a breakdown of rate changes, as well as tips on how to minimize your 2017 Covered California rate increase.

Covered California Plans whose overall rate increases are modest improves the likelihood that your 2017 rate increase will be minimal, regardless of where you live. According to the California Health Benefit Exchange, the carriers with the lowest rate increases are Valley Health (0.7%), L.A. Care Health Plan (3.7%), Molina Healthcare (5.2%), and Kaiser Permanente (5.6%).

Here is a chart of the 2017 average rate change for the top four California carriers, according to the Health Benefit Exchan...

Posted: September 6th, 2016

Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.

Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.

Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.

Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.