Frequently Asked Questions
Below are answers to common questions about health insurance in California, enrollment periods, Covered California, and working with an independent insurance agency.
General Health Insurance
What is health insurance?
Health insurance helps cover the cost of medical care such as doctor visits, prescriptions, hospital services, and preventive care.
What does an independent insurance agency do?
An independent insurance agency helps compare plans from multiple insurance companies to find coverage that fits your needs and budget.
Do I pay more by working with an agent?
No. There is no additional cost to you for working with a licensed insurance agent.
Covered California
What is Covered California?
Covered California is the official health insurance marketplace for the State of California.
Am I required to enroll through Covered California?
No. Some individuals choose off-exchange plans depending on eligibility for financial assistance or personal preference.
Is California Benefits Insurance Center affiliated with Covered California?
No. California Benefits Insurance Center is an independent insurance agency and is not affiliated with or endorsed by Covered California or the State of California.
Enrollment Periods
What is Open Enrollment?
Open Enrollment is the annual period when individuals can enroll in or change health insurance plans.
Can I enroll outside of Open Enrollment?
Yes. You may qualify for a Special Enrollment Period if you experience a qualifying life event such as losing coverage, getting married, having a baby, or moving.
Plans & Coverage
What types of health insurance plans are available?
Plans are typically categorized as Bronze, Silver, Gold, and Platinum, which differ in monthly premiums and out-of-pocket costs.
Do all plans use the same doctors and hospitals?
No. Each plan has its own provider network and prescription drug list.
Working With an Agent
How do I choose an agent on Covered California?
During the Covered California application process, you can indicate that you are working with an agent and select California Benefits Insurance Center.
Can I change my agent later?
Yes. You can update or change your agent of record at any time.
Quotes & Enrollment
Are quotes guaranteed?
No. Quotes are estimates and subject to carrier underwriting, eligibility, and final enrollment approval.
Does submitting information on this site guarantee coverage?
No. Coverage is only confirmed once your application is approved by the insurance carrier or Covered California.
Is there a penalty for not having health insurance in California?
Yes. California has its own individual mandate requiring residents to maintain qualifying health coverage. If you do not have health insurance that meets minimum essential coverage for you and your dependents, you may be subject to a state tax penalty when filing your California state tax return. Certain exemptions may apply, including financial hardship and very low income. For detailed eligibility and exemption information, please consult the California Franchise Tax Board or a licensed insurance professional.
Contact & Support
Can I speak with a licensed agent?
Yes. Licensed California insurance agents are available to answer questions and provide guidance.
How can I contact you?
You can call 800-341-1165, email health@californiainsurancecenter.com or fill out the form below for assistance.
Contact form
By submitting this form, you authorize California Benefits Insurance Center to contact you regarding your request by phone, email, or text message. Consent is not a condition of enrollment.
We typically respond within one business day. If your request is urgent, please include your preferred contact method and best time to reach you.
California Benefits Insurance Center is an independent insurance agency. Submission of this form does not guarantee coverage or enrollment. Quotes and plan availability are subject to carrier underwriting, eligibility, and applicable enrollment periods.