Life happens - so get covered & stay covered
-
Individual and Family Plans
Learn More
Discover a wide range of individual and family health insurance options through Covered California. Find the plan that fits your lifestyle, budget, and care needs. -
Child-Only Health Plans
Learn More
Explore California’s child-only medical plans offering free or low-cost coverage for eligible children and teens—because every child deserves access to quality care. -
Medicare and Senior Plans
Learn MoreCompare Medicare health insurance options available in California. Designed for seniors 65+ and individuals with disabilities, these plans help you stay healthy and supported.
-
Group and Small Business Plans
Learn More
Find the right small business health insurance solution for your team. Compare group plan options in California to get great coverage at competitive rates.
Affordable Health Insurance for California Consumers
Let us Answer Your Questions
Finding Affordable Health Insurance
California provides a wide range of affordable health insurance options to fit your lifestyle. You can choose a long-term plan to keep you and your family covered year-round, or enroll in short-term coverage for as little as a month to avoid any gaps between plans. With so many choices available, it’s easy to find a reliable health plan that fits your needs and budget.
The Covered California Website
You can view income limits, compare quotes, and shop for plans online — all from the comfort of your home. When you’re ready, you can also submit your application directly through the site.
If you’d like help choosing the right health plan at an affordable rate, call to speak with a certified agent at [enter , or visit a local Covered California storefront. All of these services are completely free.
Thanks to the work of California’s licensed health insurance agents, navigators, and assisters, the number of uninsured residents has significantly declined. Between 2013 and 2014, the uninsured rate dropped from 15% to 10%, and by 2020 it had fallen further to 7% (according to the Kaiser Family Foundation State Health Facts for California).
While there is still progress to be made, California’s state exchange remains one of the most successful in the nation at implementing the Affordable Care Act, also known as Obamacare.
Is Health Insurance Coverage Required?
The Affordable Care Act (ACA), commonly known as Obamacare, was enacted in 2010 to ensure that all U.S. citizens and permanent residents had health insurance that met minimum essential coverage standards. Although the federal mandate was repealed in 2018 under President Trump, California introduced its own state mandate the following year. This means residents are still required to maintain health coverage year-round or face a state tax penalty for going without insurance.
Would you like me to make it slightly more educational and professional (for an informational page) or simplified and approachable (for general readers)?
Where Can I Enroll in a Health Plan?
California Health Benefits makes it easy to compare health insurance quotes instantly. Explore affordable Covered California plans for individuals, families, and small businesses all in one place.
Get your quote in just 30 seconds and apply in as little as 5-10 minutes. The process is quick, simple, and completely free. Plans start at $0 per month, and no contact information is required to view your options. Compare top providers and find the best coverage for your needs today.
When Can I Enroll?
•Open Enrollment Period (OEP): November 1 through January 31
•Renewal Packets Sent: October and November
•Special Enrollment Period (SEP): February through October
Most people enroll during the Open Enrollment Period. During this time, no Qualifying Life Event (QLE) is needed to apply. For existing members, Open Enrollment is also when you can renew or switch plans for the upcoming year.
You can cancel your plan at any time, but if you want to make changes, that must be done during Open Enrollment. Outside of that window, changes can only be made during the Special Enrollment Period if you experience a Qualifying Life Event.
Common Qualifying Life Events include losing coverage, losing a job, getting married or divorced, having a baby, or moving to California.
LEARN MORE
CA Health Exchange
Covered California serves as the state’s official health insurance marketplace, giving individuals, families, and small businesses access to affordable, high-quality health coverage options.
Income Guidelines
Check California’s Obamacare income limits to see whether you qualify for financial help. Our easy-to-read chart makes it simple to find out if you’re eligible for government subsidies or cost-sharing assistance.
