California Health Insurance Plans | Health for California

COVERED CALIFORNIA CERTIFIED

Health Insurance
for California

What type of health plan are you looking for?

INDIVIDUAL & FAMILY PLANSSMALL BUSINESS PLANSMEDICARE / SENIOR PLANS

Lowest prices. Simple process.

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  1. Covered California
  2. L.A. Care
  3. Covered California Health Net Plans
  4. Covered California Blue Shield
  5. Western Health Advantage Health Insurance
  6. Molina Health Insurance
  7. Chinese Community Health Plan
  8. Valley Health Insurance
  9. Sharp Health Insurance
  10. Aetna Health Insurance
  11. Inland Empire Health Plan
  12. Covered California Kaiser Plans
  13. Anthem Blue Cross Covered CA

Life happens - so get covered & stay covered

There is something for everyone

Individual and Family

Explore individual health insurance plans from Covered California. The vast selection of individual health insurance plans offers you the perfect coverage.

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Child-Only

Learn more about California’s child-only medical plans that provide free or low-cost health insurance coverage for eligible kids and teens.

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Medicare

Shop Covered Medicare health insurance plans for California. Get medical coverage for seniors (65 and over) and for individuals with disabilities.

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Small Business

Learn about small group health insurance in California to help you select the right small business health insurance plans with the best rates.

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Affordable Health Insurance for California Consumers

We have approximately 39 million people in the state. California ranks as the most populous state in the United States. Keeping a diverse group of people healthy with affordable health care options has been California’s ongoing challenge. This is why the Marketplace for private and small group medical insurance in California plays a significant role in maintaining happy, healthy individuals.

The California Health Exchange

Simply put: This is where you get affordable coverage!

Under the Affordable Care Act (ACA), states across the country set up Marketplaces where you can purchase health insurance. These are referred to as State Exchanges. The exchange in the golden state is called Covered California.

Through the Covered California website, qualified individuals and families can sign up for subsidized health insurance coverage. Discounts come in the form of up-front tax credits. Since 2013, this implementation of Obamacare in California has enabled over 2 million people to obtain inexpensive, quality healthcare. The California State Exchange includes some of the best insurance companies in the state.

Insurance companies in the Marketplace include Anthem Blue Cross, Blue Shield of California, Kaisers Permanente and more. Benefit packages include Bronze 60, Silver 70 to 94, Gold 80 and Platinum 90 levels of coverage. These plans can be viewed in an apples-to-apples comparison.

Purchasing health insurance through the State Exchange is like going to an online shopping mall. Get a quote in 30 seconds and view all of your options. Click apply to add a plan to your shopping cart. Then, fill out a 5-10 minute application to enroll. Other than your estimated income and social security numbers, you should know all the information needed right off the top of your head.

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What Types of Health Plans are Available

Health plans are classified under five major categories. This makes comparisons easier. The categories are divided according to the percentage of health care costs that consumers pay.

platinum icon

platinum
Plan

This Plan Pays

90%

Of Your Health Costs.

You pay the remaning

10%

gold icon

gold
Plan

This Plan Pays

80%

Of Your Health Costs.

You pay the remaning

20%

silver icon

silver
Plan

This Plan Pays

70%

Of Your Health Costs.

You pay the remaning

30%

bronze icon

bronze
Plan

This Plan Pays

60%

Of Your Health Costs.

You pay the remaning

40%

catastrophic icon

catastrophic
Plans

*These Plans Are Only Available For People Under 30 Years Or Those Experiencing Financial Hardship.

This Plan Pays less than

60%

Of Your Health Costs.

Finding Affordable Health Insurance in California

The state of California offers a wide assortment of affordable health care insurance options. Find plans that give you and your family long-term coverage. Or, enroll in short-term plans for as little as one month. This can protect you from gaps in between insurance plans. With a variety of options, you can rest assured you’ll find a quality health plan that meets your needs.

The Covered California Website

View income limits, get quotes, shop plans online. Submit an application from the convenience of your own home. If you need additional assistance with finding the right health plan at an affordable rate, call to speak with a certified agent: 1-877-752-4737 . Or, visit a local Covered California Storefront. These services are all offered at no cost.

Through the dedicated efforts of many California health insurance agents, navigators and assisters, our state experienced a drop in the number of those uninsured. From 2013 to 2014 the number of uninsured went from 15% to 10%. As of 2020, this number has dropped to 7% (Kaiser Family Foundation State Health Facts for California).

There are still more people that need coverage. However, the California State Exchange is one of the most successful at implementing Obama Care (The Affordable Care Act) in the country.

Is Health Insurance Coverage Required?

The Affordable Care Act was passed in 2010. This legislation, often referred to as Obamacare, required all U.S. citizens and permanent residents to have health insurance. Also, that coverage must meet the minimum essential benefit requirements. President Trump and Congress overturned this mandate in 2018. However, California implemented their own mandate in 2019. Thus, everyone in the state must continue to be enrolled in a health plan throughout the year. If you go without health coverage, you will pay a tax penalty.

When Can I Enroll?

Health for California gives you quick and instant access to quotes. You’ll find affordable Covered California individual, family and small business plans.

Get a quote in 30 seconds. Apply in 5-10 minutes. Our process is fast, easy and free. Plans start at $0 per month. No contact information is required. Find the best quotes from multiple providers in your area.

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When Can I Enroll?

Enrollment is open now! Due to the Covid-19 Pandemic, you can enroll or change plans today.

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The Open Enrollment Period (OEP): November 1 through January 31

Renewal Packets Arrive: October and November

The Special Enrollment Period (SEP): February through October

Most enrollment occurs during the Open Enrollment Period. No Qualifying Life Events (QLE’s) are required at this time. For those renewing, OEP gives members the opportunity to change plans each year. You can cancel your plan at any time, but to change plans, that must be done during the Open Enrollment Period. Or, you can change plans during the Special Enrollment Period with a Qualifying Life Event.

Normally, during the Special Enrollment Period you would need a QLE to enroll or change plans. Qualifying Life Events include losing coverage, losing a job, having a baby, moving to California, getting married or divorced, etc.).

Due to President Biden's American Rescue Plan and the Covid-19 Pandemic, more opportunities for enrollment have opened up outside of OEP. Also, this legislation made greater discounts available.

You can find the following types of plans

  • Individual and Family Healthcare Plans: Since the passing of the Affordable Care Act, all non-grandfathered health plans must meet the minimum essential benefit requirements. They must provide coverage for hospitalization, emergency, preventative care, and prescription drugs. These plans are ACA compliant. They offer high-quality, affordable coverage to everyone, regardless of pre-existing medical conditions.
  • Short-Term Plans: Short-term health plans are no longer legal in California (SB910). However, consumers may enroll in a traditional medical insurance plan for as little as 30 days. This can fill healthcare insurance gaps and protect consumers who are between jobs. Short-term travel insurance is still available.
  • Medicare: Medicare and Senior Health Plans are granted to qualifying individuals over the age of 65. This medical coverage is also available to qualifying individuals who suffer from chronic illnesses or disabilities.
  • Medicaid: This is referred to as Medi-Cal in California . This coverage is offered to individuals and families with a household income that is below 138% of the Federal Poverty Level.

Find Affordable Health Insurance

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Find out why our insurance is simply better for you

Simply put, you can’t get a better price anywhere.

We simplify what is normally a difficult process! Finding the right health plan can be stressful and time-consuming. It's hard to sift through all the health insurance options and wrestle with which plan is best for your situation. That's where we come in.

We make applying for health insurance feasible, fast, and free! And, what’s the best part? We have a wide variety of plans. Getting a quote is very easy. Give us 30 seconds, and we'll give you the most affordable rates available from multiple providers in your area. When you use us, you can rest assured that you’re getting the best prices and the most streamlined process.

Obama Care

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.

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CA Health Exchange

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.

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Income Guidelines

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

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Online Services

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.

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