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The California Marketplace

The Affordable Care Act in California created a new Health Insurance Marketplace. In order to qualify for government assistance and Cost Sharing Reduction (CSR), consumers must enroll through the marketplace, otherwise known as the California Health Exchange.

The California Health Exchange

In this state, the Insurance Exchange is known as Covered California. All plans offered in the California Marketplace meet the ACA requirements for minimum essential benefits. Thus, enrollees will not have to worry about the health insurance penalty as long as they do not go without insurance for three or more months. Also, enrollees may qualify for government assistance in the form of up-front tax credits or subsidies.


Consumers can get California health insurance quotes through an online rate calculator. Then, they can compare plans and prices and apply. Many find the online enrollment form to be the easiest method of applying. Most can enroll in less than 30 minutes.

Consumer Assistance

Customer service is available through the California Marketplace, through carriers and through agents, assisters and navigators. Use the following methods for assistance:

  • Quotes and Enrollment by Phone: 1-877-752-4737
  • Apply Online: Covered California Application
  • To Change or Cancel a Plan: 1-800-300-1506
  • Appeals Form
  • Fax Number: (888) 329-3700
  • Mailing Address: P.O. Box 989725; West Sacramento, CA 95798-9725


by John Hansen

Obamacare rates are going up in 2017. Most states will have rate increases in the double digits. According to leading General Agency / FMO, Health Family Insurance, they have seen nothing in the single digits across the country with regard to average rate increases by state.


Posted: August 31st, 2016 under California Marketplace , Molina Healthcare California , Obama Health Care

by Esmeralda Mercado


Did you know that if you were uninsured in 2015 but you buy insurance now, you could still owe a penalty when you file your income tax return this April? That is because income tax filings are based on the activity for the previous year. Although it may be too late to avoid the tax penalty for being uninsured in 2015, it’s not too late to avoid it for 2016. Getting insurance now will protect you from having to be penalized when you file your tax return in 2017. For free quotes or to enroll, go to (more...)

Posted: February 10th, 2016 under California Marketplace

by John Hansen

The outcry in the marketplace is: “It costs too much!” For those now getting subsidies, many are finding California health insurance more affordable than ever, but for everyone else the price went up. Tax payer dollars will now be collected to pay for these subsidies. Many question, how long will America be able to foot the bill? The healthcare ind...


Posted: September 30th, 2014 under California Marketplace

By Esmeralda Mercado, John Hansen, and Stephen Saucier

Recently, President Barack Obama issued an executive order to postpone the individual mandate penalty so that individuals and families may begin coverage as late as May 1, 2014 without having to pay a penalty. It’s a Win-Lose scenario. It’s probably a win for consumers at least in the short run and a loss for insurance companies. Consumers could save some money, but health insurance companies might take a hit.


Posted: November 7th, 2013 under California Marketplace

By Esmeralda Mercado, Stephen Saucier, and John Hansen

Last week a proposed change to the Affordable Care Act was brought to the table by House Representative Daniel Lipinski, Democrat from Illinois, and approved by executive order by President Barack Obama. This proposal recommended that consumers would not have to pay a penalty as long as they submitted an application by March 31, 2014, which would result in coverage beginning on May 1st. What this means is that you will not have to pay a penalty even if you are uninsured for the first four months...


Posted: November 6th, 2013 under California Marketplace

By Esmeralda Mercado, Stephen Saucier, and John Hansen

See How Various California Health Insurance Carriers Will Deal with Current Members

If you’re currently insured in California, it’s probably a good idea to know how your insurance company is going to deal with your current coverage going into 2014. If you’re with Health Net, you must act soon or your coverage may get cancelled. The other carriers will automatically switch you to the plan of their choice if you don’t notify them of what plan you want.


Posted: November 1st, 2013 under California Marketplace