Covered California Insurance Options

Obamacare plans in California are offered through Covered California. Get insurance benefits through the California Health Exchange in order to qualify for government assistance. Health Care Reform Plans are offered through most of the major carriers including Anthem Blue Cross, Blue Shield, Kaiser Permanente, Health Net and Molina.

Quote Calculator: View Costs and Find Rates with Government Assistance

Click California Health Insurance Quotes to view rates and benefits online. Choose the plan that fits you and your family based on cost and benefits, and then apply online. Enrollment is fairly easy and usually takes people around 30-60 minutes.

Live Support Options

You can get live assistance from Covered California Insurance Representatives, directly from health care carriers, or from agents, brokers, assisters and certified enrollment counselors (CEC). For assistance, choose from the following options:

Or, lookup the license of a particular Covered California insurance agent.


California consumers often ask, “What doctors are available in my provider network?” Provider networks vary by carrier and by plan. The provider network may differ based on the following:

  • Whether your plan is on/off exchange
  • Whether your plan is an individual/group plan
  • Which carrier you enrolled with

In order to get specific provider network information related to your Covered California insurance coverage, you will need to contact your carrier by phone or visit their website to search their network of hospitals and doctors.

The Covered California Insurance Card

When you enroll with Covered California, you will receive an insurance card from the carrier that you enrolled with. Often, this card will note that you enrolled “on exchange” or that you enrolled “with Covered California”. However, this card is not truly a Covered California insurance card, but rather a card that is produced and recognized by your medical insurance company.

2017 Renewals

Covered California insurance plan renewals for 2017 will likely be from October 1 to December 15, 2016. During that time you can make changes to your health care plan. Or, you can let it auto-renew.

Open enrollment in California lasts through January 31, 2022, for coverage in 2022. If you need a new health insurance plan or want to switch from one plan to another without having a major life change, open enrollment is the time to do it.

There are often some changes in health insurance options and costs from year to year and 2022 is no different. Take a look at what’s changing in California this year and what’s staying the same.

In 2022, you can expect to have more choices when it comes to health insurance plans. How much you pay for a policy and how much you get from a subsidy are also likely to change this year. Let’s look at the changes and how they might affect you.

Your health insurance premium is how much you pay for coverage monthly. Insurance premiums are based on several factors, including your age, location and the type of insurance policy you buy. Whether you smoke or not also affects your premium. Tobacco users typically pay higher insurance premiums than non-smokers.

Medicare users may find high costs or areas in their plans where they don’t have coverage. Because of these gaps, individuals can seek out Medicare Supplement or Medicare Advantage plans to help fill in areas with little range and decrease their costs. Because you can only use one program, knowing which one works best for you is essential.

It is important to identify what Medicare itself covers for those considering additional Medicare services. Medicare’s policies break down into three different parts, labeled each by a different letter:

Standard Medicare services include Parts A and B, and users can elect to have Part D when they initially sign up for Medicare. However, signing up late for Part D can result in fees.

While Medicare is a fairly comprehensive plan, it does not cover all users’ services. Individuals under Medicare must still pay for 20% of their medical bills, and there is no price ceiling to how much they can pay in one year, resulting in high costs for some indiv...

Posted: January 24th, 2022 under Covered California Insurance

You’re protected against high medical bills and unexpected health care costs when you have health insurance. Since the Affordable Care Act (ACA) came into law in 2010, qualified health insurance plans need to provide a certain amount of coverage.

Preventative care needs to be covered without you paying out-of-pocket. Plans also need to have an out-of-pocket maximum to keep healthcare costs under control.

The ACA also introduced the concept of a tax penalty if a person doesn’t purchase an insurance plan. Since the rules about health insurance tax penalties have changed since the law went into effect, it’s essential to understand what you might have to pay if you decide health insurance isn’t for you.

Under the ACA, people who didn’t purchase health insurance or otherwise have insurance coverage were responsible for paying the individual Shared Responsibility Payment. Eligible individuals paid the fee when they filed their federal tax returns.

How much a person paid was based on...

Dental insurance is a must if you want to protect your teeth and gums. With a dental plan, you can ensure that you receive the regular cleanings and exams your mouth needs to stay in the best shape possible.

It’s important to have dental insurance to manage the costs of dental care and ensure everyone’s teeth are in excellent shape year after year. It’s also essential to find the right coverage for you. Knowing what options are out there and getting guidance from a professional team can help you find an insurer you can count on. At Health for California, we find providers that suit your needs.

Generally, dentists recommend getting a dental checkup every six months. Dental insurance usually fully covers the costs of a dental exam, cleaning and x-rays, which can be particularly helpful if you are paying for your dental care and that of your family members. Dental coverage provides the cushion you need to handle these ongoing expenses.

While twice-yearly appointments are the gold stand...

Understanding health insurance requirements and terms can be confusing for many people, especially young millennials in their 20s trying to figure out how to best insure themselves for the first time. By conducting careful research and seeking help from resources, you can work toward choosing a health insurance plan in your 20s. 

Under President Obama’s Affordable Care Act (ACA), you can stay on your parent’s health insurance plan until you reach 26. Regardless of your marital status, parental status, education level or tax bracket, you are eligible to use your parent’s health insurance until your 26th birthday — you can even live away from home or study at a university during that time. It is important to have a policy lined up to continue receiving healthcare coverage after turning 26. 

When choosing a health insurance plan, you need to know what you are paying for. Many studies have determined that Americans generally have little understanding of their health insurance plan...

Posted: December 27th, 2021 under Covered California Insurance, Health Plans in California

Free health insurance in California will become a reality starting on January 1, 2022. Through the California State Exchange, some consumers (based on income and household size) will be able to purchase plans with a $0 per month premium.

Up to this time, the lowest priced plans through Covered California have been $1 a month. Starting next year, for the first-time, qualified Californians will be able to get health insurance for free.

California legislation AB 133 allows for the State of California to pay the $1 PMPM (per member per month) premium that federal law excludes. This legislation passed in Sacramento on July 15, 2021. It was signed into law by Governor Gavin Newsom twelve days later on July 27, 2021.

Thus, the State of California will be paying the $1 PMPM in 2022 for Covered California enrollees. This new financial assistance will be called the “California Premium Credit”.

Posted: August 20th, 2021 under Covered California Insurance

If you’re self-employed, a considerable financial concern will be finding affordable California self-employed health insurance coverage. Though the cost of health insurance for self-employed workers always seems to be rising, you may be able to deduct 100% of health insurance premiums you pay for yourself, your dependents and your spouse, up to set limits.

Use this guide to help you navigate your options for California health insurance as a self-employed worker or small business owner. We can help you find the affordable health insurance you need to protect your health and the health of your loved ones.

Before you can find the best health insurance plan for you, you need to determine whether you need self-employed health insurance coverage or small business health insurance coverage.

If you are a self-employed worker, you can enroll in high-quality, flexible individual health insurance coverage. You are considered a self-employed individual if you have a business that makes money but...

Posted: August 19th, 2021 under Covered California Insurance

For many workers in the U.S., one of the perks of being hired by a company is getting health insurance coverage from it. Employer-sponsored health coverage is the most common type of private health insurance in the country. Not everyone who works for a company or who provides services to a business is eligible for health insurance coverage from it, though. In many cases, part-time employees can’t get coverage. 

Independent contractors, or 1099 employees, also typically don’t get employer-sponsored health coverage. This is because independent contractors are technically self-employed. However, some companies might offer group health insurance to their independent contractors. Learn more about the difference between 1099 and other types of workers and what the health insurance options are for the self-employed.

The phrase “1099 employee” is technically a misnomer, as a person who gets paid on a 1099 basis is legally not an employee of a company. The Internal Revenue Service (IRS)...

If you are enrolling yourself or your family in Covered California or in Medi-Cal, you no longer have to be concerned about that affecting citizenship or being a “Public Charge.”

The Public Charge ruling, which was of concern during the time of President Trump, has been rescinded by President Biden. This is no longer an issue and will not have any bearing on applications for citizenship.

The United States Citizenship and Immigration Services (USCIS) has stopped applying the 2019 Public Charge regulation to all pending applications and petitions. Purchasing insurance through Covered California and receiving financial help to pay for the insurance does not make an individual a “Public Charge”.

Also, Medi-Cal for adults or children is NO LONGER considered a public charge.

You may enroll through Covered California. You may enroll in Medi-Cal. Or, you may enroll a mixed family where adults are on Covered California and the children are enrolled in Medi-Cal. None of these would be consi...

Posted: April 14th, 2021 under Covered California Insurance

Medicare is the U.S. health insurance program designed to provide coverage to people over the age of 65, as well as individuals with end-stage renal disease and younger people with certain disabilities. One of the key benefits of Medicare is to help to control a person’s health care costs as they get older. As long as a person meets certain requirements, there are no premium payments for certain types of Medicare and the care you receive is often free or low-cost.

Although Medicare can provide coverage for much of your health care needs, it doesn’t cover everything. For that reason, some people decide to purchase supplemental Medicare coverage, also known as a Medigap policy. There are several reasons why Medigap might make sense for you and provide the most comprehensive form of health coverage. Learn more about what’s covered by Medicare and what you can get from purchasing a supplemental Medicare insurance plan in California.

People over age 65 have a few options for getting sup...

Posted: April 8th, 2021 under Covered California Insurance

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.