Plan and network name
A carrier may offer several products. Match the exact plan name and network, not only the insurance company.
Insurance companies and provider access
Covered California Carriers & Networks
Compare Covered California insurance carriers and provider networks by ZIP code, with careful checks for doctors, hospitals, and prescriptions.
Individual Health Carriers
Compare the exact plan
The carrier name is only the starting point.
Covered California insurance carriers and plans vary by rating region and ZIP code. The carrier name is only one part of the decision; the exact provider network, formulary, plan type, and service area determine how coverage works.
Doctors and hospitals
Check providers, medical groups, hospitals, and specialist access under the exact plan you are considering.
Prescriptions and pharmacies
Review the formulary, drug tier, prior authorization, specialty pharmacy, and preferred pharmacy rules.
2026 participating companies
Covered California works with 11 health insurance carriers.
The statewide marketplace includes both larger carriers and regional health plans. Your home ZIP code determines which companies and exact plan networks are available to you.
Anthem Blue Cross
Availability and network options vary by county.
Balance by CCHP
Regional coverage in parts of the San Francisco Bay Area.
Blue Shield of California
Availability and network options vary by county.
Health Net
Availability and network options vary by county.
Inland Empire Health Plan
Regional coverage in Riverside and San Bernardino counties.
Kaiser Permanente
Integrated care through Kaiser doctors, facilities, and pharmacies.
L.A. Care Health Plan
Regional coverage focused on Los Angeles County.
Molina Healthcare
Covered California plans are available in select service areas.
Sharp Health Plan
Regional coverage in the San Diego area.
Valley Health Plan
Regional coverage focused on Santa Clara County.
Western Health Advantage
Regional coverage in parts of Northern California.
Covered California reports that consumers can choose from two to six insurance companies depending on where they live. Carrier participation, service areas, and networks can change by plan year.
See plans available in your ZIP codePlan and network types
How HMO, PPO, and EPO access generally differs.
These are general patterns. Availability and exact referral, network, and out-of-network rules vary by plan and location.
Coordinated network care
- Specialists
- Referral usually required
- Outside network
- Generally emergency care only
Broader provider choice
- Specialists
- Referral generally not required
- Outside network
- May be covered at higher cost
Exclusive provider network
- Specialists
- Referral generally not required
- Outside network
- Generally emergency care only
Before enrollment
Verify the network from both directions.
Use current Covered California results for your ZIP code, then confirm the exact plan directly with each provider. Direct confirmation helps catch directory changes or similar plan names.
Use Covered California provider search
Start with your home ZIP code
Carrier and plan availability varies by rating region and service area.
Search the exact plan
Add preferred doctors in Shop and Compare, then check hospitals and medical groups tied to their care.
Confirm directly
Ask the provider to confirm the exact carrier, plan, network, and coverage year before enrollment.
From our clients
Trusted health coverage guidance from a local team.
FAQ
Frequently asked questions about Covered California Carriers & Networks
Are all Covered California carriers available in every ZIP code?
No. Carrier and plan availability varies by rating region and home ZIP code.
How do I compare Covered California provider networks?
Search the exact plan for your doctors, hospitals, and medical groups, then confirm participation directly with each provider before enrolling.
If my doctor accepts the carrier, are they automatically in my plan?
No. Provider participation can differ by product and network, even within the same insurance company.
What is the difference between an HMO, PPO, and EPO?
HMO plans generally coordinate care through a primary care provider, PPO plans generally offer broader access including some out-of-network benefits, and EPO plans generally use an exclusive network without specialist referrals. Exact plan rules vary.
Can prescription coverage differ between plans from the same carrier?
Yes. Formularies, drug tiers, prior authorization, and pharmacy rules can vary by plan.
Ready to compare Covered California?