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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.

LEARN MORE

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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.

Learn more

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.

Learn more

MEDICARE

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

Learn more

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.

Learn more


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. 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.




LET US ANSWER YOUR QUESTIONS

What Types of Health Plans are AvailableFinding Affordable Health Insurance in
CaliforniaThe Covered California WebsiteIs Health Insurance Coverage
Required?Where Can I Enroll in a Health Plan?When Can I Enroll?What is
Available?

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
Plan

This Plan Pays

90%

Of Your Health Costs.

You pay the remaning

10%



gold
Plan

This Plan Pays

80%

Of Your Health Costs.

You pay the remaning

20%



silver
Plan

This Plan Pays

70%

Of Your Health Costs.

You pay the remaning

30%



bronze
Plan

This Plan Pays

60%

Of Your Health Costs.

You pay the remaning

40%



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 CALIFORNA 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 covered. 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.

Get My Free Quote Now!

WHEN CAN I ENROLL?

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

Get My Free Quote Now!

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.

Health for California Insurance Center is licensed with the Department of
Insurance and Covered California. HFCIC is a Covered California Storefront and
is one of the largest Covered California enrollment centers in the state.

“COVERED CALIFORNIA,” “CALIFORNIA HEALTH BENEFIT EXCHANGE,” AND THE COVERED
CALIFORNIA LOGO ARE REGISTERED TRADEMARKS OR SERVICE MARKS OF COVERED
CALIFORNIA, IN THE UNITED STATES. THIS WEB SITE IS OWNED AND OPERATED BY HEALTH
FOR CALIFORNIA, WHICH IS SOLELY RESPONSIBLE FOR ITS CONTENT. THIS SITE IS NOT
MAINTAINED BY OR AFFILIATED WITH COVERED CALIFORNIA, AND COVERED CALIFORNIA
BEARS NO RESPONSIBILITY FOR ITS CONTENT. THE E-MAIL ADDRESSES AND TELEPHONE
NUMBERS THAT APPEAR THROUGHOUT THIS SITE BELONG TO HEALTH FOR CALIFORNIA, AND
CANNOT BE USED TO CONTACT COVERED CALIFORNIA.


FIND AFFORDABLE HEALTH INSURANCE




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! 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.

Learn more


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.

Learn more


INCOME GUIDELINES

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

Learn more


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.

Learn more
Individual & Family
Get My Free Quote Now !