Covered California

We are an official Covered California storefront and certified agency. Individuals and families may qualify for a premium discount, and small businesses could be eligible for a federal tax credit up to 50% of premiums.

Covered
California

We are an official Covered California storefront and certified agency. Individuals and families may qualify for a premium discount, and small businesses could be eligible for a federal tax credit up to 50% of premiums.

What is Covered California?

Covered California is the California health exchange where individuals can obtain brand-name health insurance under the Patient Protection and Affordable Care Act, known as Obama Care. It is the only place to get federal premium assistance to help people buy affordable health insurance. This means individuals may qualify for a discount on a health plan through Covered California, or get free health insurance through California’s Medi-Cal program. Learn more about Covered California insurance companies in your area.

What is Covered California?

Covered California is the California health exchange where individuals can obtain brand-name health insurance under the Patient Protection and Affordable Care Act, known as Obama Care. It is the only place to get federal premium assistance to help people buy affordable health insurance. This means individuals may qualify for a discount on a health plan through Covered California, or get free health insurance through California’s Medi-Cal program. Learn more about Covered California insurance companies in your area.

Coverage Basics

Coverage Levels

Covered California offers four levels of coverage: Bronze, Silver, Gold or Platinum. In addition to those four levels of coverage, a minimum coverage plan is available to those who are younger than 30 or can provide certification that they are without affordable coverage or are experiencing hardship. Learn more.

Essential Health Benefits

All health insurance plans provide a comprehensive package of coverages and services, known as essential health benefits. These benefits fit into 10 categories, and include services like prescription drugs, mental health care, and emergency services.

Dental Coverage

All health insurance plans offer embedded pediatric dental coverage. This means that dental insurance for children is included in the price of all health plans purchased in the exchange. In addition, Covered California now offers supplemental dental coverage for adults, through optional family dental plans.

Vision Coverage

Covered California offers a pathway to quality vision care. Vision care benefits for children are included in all health plans purchased through the exchange. Vision care for adults is not offered but Covered California works with certain vision insurance companies to offer vision coverage directly to consumers.

Coverage Basics

Coverage Levels

Covered California offers four levels of coverage: Bronze, Silver, Gold or Platinum. In addition to those four levels of coverage, a minimum coverage plan is available to those who are younger than 30 or can provide certification that they are without affordable coverage or are experiencing hardship. Learn more.

Essential Health Benefits

All health insurance plans provide a comprehensive package of coverages and services, known as essential health benefits. These benefits fit into 10 categories, and include services like prescription drugs, mental health care, and emergency services.

Dental Coverage

All health insurance plans offer embedded pediatric dental coverage. This means that dental insurance for children is included in the price of all health plans purchased in the exchange. In addition, Covered California now offers supplemental dental coverage for adults, through optional family dental plans.

Vision Coverage

Covered California offers a pathway to quality vision care. Vision care benefits for children are included in all health plans purchased through the exchange. Vision care for adults is not offered but Covered California works with certain vision insurance companies to offer vision coverage directly to consumers.

For Individual and Families

Apply Today!

For Small Business

Instant Group Quote Now!

Financial Assistance

To be eligible for premium assistance, you must:

Be a U.S. citizen, a U.S. national, or be lawfully present in the United States.
Have an annual household income between 100 percent and 400 percent of the Federal Poverty Level (FPL).
Not have access to affordable, minimum-value health insurance through an employer.
Not be eligible for other public health coverage, including full-scope Medi-Cal, premium-free Medicare Part A or military coverage.
File taxes for the year that you will receive premium assistance.
File taxes jointly if you are married.

Cost-Sharing Reductions

Cost-sharing reductions are subsidies that lower your out-of-pocket costs when you get health care, including your copays, coinsurance, deductibles and out-of-pocket maximum. Cost-sharing reductions are available to those who are eligible for premium assistance and have an annual household income up to 250 percent of the FPL.

Enrollment

Applications for Covered California health insurance plans are accepted each year during open enrollment (October 15 to January 15) with the exception of special qualifying life events including losing health coverage, moving, getting married or having a baby.

You are eligible for Covered California for Small Business if:

You have at least one but no more than 100 eligible employees and meet certain contribution and participation requirements.
You have at least one employee who receives a W-2.

Tax Credit Eligibility

As a small-business owner, you may qualify for a federal tax credit to help offset the cost of providing health insurance to your employees by purchasing coverage with Covered California for Small Business. To qualify for a tax credit, employers must contribute at least 50 percent of their employee premium costs.

Currently, federal tax credits are only available to small businesses that purchase health insurance through Covered California for Small Business. The maximum available tax credit is 50 percent of insurance premium expenses and is available for a total of two consecutive years.

Enrollment

Covered California accepts new Small Business applications every month. For existing business clients, plan changes can be made during open enrollment.

For Individual and Families

Apply Today!