Health Insurance Through Covered California Is More Affordable Than Ever

Thanks to the Inflation Reduction Act, Californians now get more help paying for their plan from the federal government, and even more Californians qualify for these savings.

Before the Inflation Reduction Act, California provided a state subsidy to people who made too much money to qualify for the financial help, known as premium tax credits. But the Inflation Reduction Act expanded who can get this help, covering everyone who had been receiving the California state subsidy.

What this means for you: You can get even more financial help now, and if you didn’t qualify for financial help before, you may qualify now.

About 90 percent of people who have enroll with Covered California get financial help, and you could be one of them. You could even qualify for low-cost or free health coverage through Medi-Cal. Even if you’ve checked before, check again.

See If You're Eligible for Financial Help

Use our Shop and Compare Tool to see how much you can save. Some families get $1,000 a month in savings, even those making up to $154,500 a year. Even an individual earning close to $75,000 could qualify for financial help.

For more information about the new state subsidies, please review the design documents, which have more details about the program.

How do I apply?

Go to Shop and Compare and compare coverage options and costs. Begin by estimating your annual household income to see if you can get financial help. Next, choose a health plan that is the best fit for you and your family. Make your first payment and you are covered. 

Once you start the application, you’ll either qualify for low-cost or no-cost Medi-Cal, or depending on your estimated income, you’ll have the option to choose from specific health plans offered through Covered California, likely with financial help to pay your premium.