California Health Insurance Exchange

The California Health Insurance Exchange is where residents can shop for and purchase insurance online, in person or by phone. The Exchange, also known as the Marketplace, is mainly for people who:

Individual Health Insurance Covered California

  • Do not have Medicare
  • Don’t have any health insurance
  • Aren’t insured by their workplaces
  • Are not included in their spouse’s work insurance
  • Have private insurance but are looking for other better options

The ACA (Affordable Care Act) was meant to reduce health insurance costs so that more people could be insured. Low-income families who sign up through the California Healthcare Exchange can qualify for tax credits. These subsidies lower their monthly payment premiums. Any overpayment or underpayment is sorted out when paying taxes.

The good news is that anyone can sign up for Obama Care through the California Health Care Exchange – Covered California. If you need more information on plan benefits and costs, see Obama Care Plans and Prices.

Plans on the California Health Insurance Exchange

There are numerous health plans on the Medical Insurance Exchange of California. The two most common types are HMO and PPO plans. PPO plans are more flexible, allowing you to see a primary care doctor and any other specialist without a referral. HMO plans allow you to have a primary care doctor, but if you need specialized care, your primary doctor must refer you to a specialist.

Both PPO and HMO plans give you access to a network of hospitals, doctors and specialists who offer medical services at discounted rates. As such, pricing is mostly dependent on how broad the network is and whether you get referrals from your primary care doctor to see a specialist.

The top health plans in California include:

To see more options, check out Covered California Plans.

Rate Calculator for California Insurance Exchange Plans

If you want to calculate how much you’ll be estimated paying per month, simply click California health insurance quotes. Here, you will be able to calculate the rates for yourself and your entire family. Also, based on your household income, you’ll be able to see whether you qualify for subsidies and government assistance.

There are four main types of coverage: bronze, silver, gold and platinum. On the bronze plan, you’ll receive 60% coverage and pay 40% out of pocket. On the silver plan, you’ll receive 70% coverage and pay 30% out of pocket. On the gold plan, you’ll receive 80% coverage and pay 20% out of pocket. On the platinum plan, you’ll receive 90% coverage and pay 10% out of pocket.

Our online services will provide you with free, instant quotes from the top insurance companies. Just take a few seconds to fill out our confidential form. It is 100% free.

What You Need to Get Started

To get started, you’ll need to go to the Covered California Website and sign up for the California Health Exchange. Have your social security number, W-2 forms, immigration and citizenship details ready.