Covered California is the state health insurance exchange that connects Californians with brand-name health insurance under the Patient Protection and Affordable Care Act. It’s the only place where you can get financial help when you buy health insurance from well-known companies.
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What is Covered California?
Covered California was created through the Affordable Care Act. If you live in California, you can apply directly for a health plan on Covered California's website or by calling them. They offer metal plans (Bronze, Silver, Gold, Platinum) as well as catastrophic coverage from a variety of health plan companies. When you apply, you’ll also find out whether you’re eligible for the state’s Medi-Cal and CHIP (Children's Health Insurance Program) programs.
Find the Care You Need Based on Your Needs.
Covered California health insurance plans — and all health plans in the individual and small-group markets — are sold in four levels of coverage: Bronze, Silver, Gold and Platinum. As the metal category increases in value, so does the percentage of medical expenses that a health plan covers compared with what you are expected to pay in co-pays and deductibles.
Bronze
Monthly Premium
$
Out-of-pocket
$$$$
Silver
Monthly Premium
$$
Out-of-pocket
$$$
Gold
Monthly Premium
$$$
Out-of-pocket
$$
Platinum
Monthly Premium
$$$$
Out-of-pocket
$
How Do I Apply?
It's easy. Apply on our website and get free, confidential help by phone or in-person at one of our locations throughout Los Angeles and Orange Counties.
Covered California and Medi-Cal use the same application. This means that once you apply, you’ll find out which program you qualify for. Some households qualify for both.
Shop and compare plans in minutes.
Applying online takes about an hour from start to finish.
Be sure to have the necessary documents on hand before starting your application for a seamless enrollment process.
All set?
Shop and Compare PlansHave an enroller call you to get free enrollment advice.
Schedule a phone call with a certified enroller today.
Get ready for the call by making sure you have the necessary documents on hand.
Speak to a certified enroller in-person for free today.
We have numerous locations across the Los Angeles and Orange County area, so you have many convenient options when it comes to getting enrollment assistance.
Make an in-person appointment to get free help signing up for a plan.
Ready to make an appointment?
Find an Enrollment CenterWe are also open for walk-ins
Monday - Friday 9am - 6pm
Apply Online
Shop and compare plans in minutes.
Applying online takes about an hour from start to finish.
Be sure to have the necessary documents on hand before starting your application for a seamless enrollment process.
All set?
Shop and Compare Plans
Apply By Phone
Have an enroller call you to get free enrollment advice.
Schedule a phone call with a certified enroller today.
Get ready for the call by making sure you have the necessary documents on hand.
Apply In-Person
Speak to a certified enroller in-person for free today.
We have numerous locations across the Los Angeles and Orange County area, so you have many convenient options when it comes to getting enrollment assistance.
Make an in-person appointment to get free help signing up for a plan.
Ready to make an appointment?
Find an Enrollment CenterWe are also open for walk-ins
Monday - Friday 9am - 6pm
What do I Need to Apply?
Social Security Numbers
For applicants who have them.
Federal Tax Information
For the applicants who file taxes.
Immigration Documents
For non-citizens.
Employer and Income Information
For everyone in your family.
Get coverage within 60 days of major life change.
You can apply for coverage through Covered California at any time if you experience a qualifying life event. Medi-Cal enrollment is year-round, and you don’t need a life event to apply.
Lost Job
You turn 26 years old and are no longer eligible for a parent’s plan.
Married or Entered a Domestic Partnership
One or both members of the new couple can use the special-enrollment period to enroll in coverage.
Change of Household Size
Your household experienced an exceptional circumstance, such as the 2020 California wildfires.
Released from Jail or Prison
Current Enrollees Who Experienced a Life Event
- You are already enrolled in a Covered California plan and become newly eligible or ineligible for tax credits or cost-sharing reductions.
- You are already enrolled in a Covered California plan and you lose a dependent or lose your status as a dependent due to divorce, legal separation, dissolution of domestic partnership, or death.
- You lose your employer-sponsored cover- age.
- Your COBRA coverage is exhausted. Note: Not paying your COBRA premium is not considered loss of coverage.
- You are no longer eligible for student health coverage.
- You turn 19 years old and are no longer eligible for a child-only plan.
- You move to California from out of state.
- You move within California and gain access to at least one new Covered California health insurance plan.
A Child is Born, Adopted or Received into Foster Care
- A child is born, adopted or received into foster care. The entire family can use the special-enrollment period to enroll in coverage.
- If you receive a child in foster care, you will need to indicate “adopted a child” in the drop-down menu when you apply.
Domestic Abuse or Spousal Abandonment
Read more about this qualifying life event.
Domestic Abuse or Spousal Abandonment
Read more about this qualifying life event.
Returned from Active Military Service
You have lost coverage after leaving active duty, reserve duty, or the California National Guard.
Gained Citizenship or Lawful Presence
You become a citizen, national, or permanent legal resident.
See the full list of qualifying life events.
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