Covered California Health Plans
Our health plans come in four metal tiers. They have different costs for premiums and services — but the same great benefits.
Minimum coverage plans are also available to people who meet certain requirements, although these plans are not eligible for financial help.
editHow Covered California Works
Covered California and Medi-Cal use the same application. That means that once you apply, you’ll find out which program you qualify for. Some households qualify for both.
What is Covered California?
It’s where you can get quality insurance from well-known companies.
It's the only place to get financial help to pay for your health insurance.
You'll also see if you qualify for free or low cost insurance through Medi-Cal.
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Household Size
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Federal Financial Help
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State Financial Help
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|---|---|---|
| edit 1 | $17,609 - $51,040 | $25,520 - $76,560 |
| edit 2 | $23,792 - $68,960 | $34,480 - $103,440 |
| edit 3 | $29,974 - $86,880 | $43,440 - $130,320 |
| edit 4 | $36,156 - $104,800 | $52,400 - $157,200 |
| edit 5 | $42,339 - $122,720 | $61,360 - $184,080 |
| edit 6 | $48,521 - $140,640 | $70,320 - $210,960 |
Household income refers to the estimated combined income of all family members for the year you plan to have coverage.
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What kinds of financial help are available? edit
What you get is based on your yearly household income. Lower-income families will receive more.
Subsidies help with your monthly payments and out-of-pocket costs.
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Starting in 2020, there are extra subsidies for Californians who live in certain ZIP codes and fall into certain income brackets.
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Subsidies will be sent directly to your health insurance company. You can choose to have your subsidies be paid out monthly to lower your monthly payments, or be paid back to you all at once when you file your taxes.
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What happens after I enroll? edit
Once you pick a Covered California plan, you will need to make your first premium payment. After that, you should notify us if your income or household size changes. You will automatically be renewed during open enrollment in the fall, or you can switch to another plan at that time.
It’s where you can get quality insurance from well-known companies.
It's the only place to get financial help to pay for your health insurance.
You'll also see if you qualify for free or low cost insurance through Medi-Cal.
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Your income and household size determine whether you'll get financial help. Some people are eligible for one financial help program, while others qualify for both.
| Household Size | Federal Financial Help |
|---|---|
| 1 | $17,609 - $51,040 |
| 2 | $23,792 - $68,960 |
| 3 | $29,974 - $86,880 |
| 4 | $36,156 - $104,800 |
| 5 | $42,339 - $122,720 |
| 6 | $48,521 - $140,640 |
| Household Size | State Financial Help |
|---|---|
| 1 | $25,520 - $76,560 |
| 2 | $34,480 - $103,440 |
| 3 | $43,440 - $130,320 |
| 4 | $52,400 - $157,200 |
| 5 | $61,360 - $184,080 |
| 6 | $70,320 - $210,960 |
Household income refers to the estimated combined income of all family members for the year you plan to have coverage.
Federal Financial Help
What you get is based on your yearly household income. Lower-income families will receive more.
Subsidies help with your monthly payments and out-of-pocket costs.
State Financial Help
Starting in 2020, there are extra subsidies for Californians who live in certain ZIP codes and fall into certain income brackets.
Subsidies will be sent directly to your health insurance company. You can choose to have your subsidies be paid out monthly to lower your monthly payments, or be paid back to you all at once when you file your taxes.
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We make it easy by giving you three options — online, with free in-person help from a certified enroller or agent, or by phone with an agent or a representative from our service center. Most people can complete the process online in about 45 minutes.
ApplyOnce you pick a Covered California plan, you will need to make your first premium payment. After that, you should notify us if your income or household size changes. You will automatically be renewed during open enrollment in the fall, or you can switch to another plan at that time.
When can I apply?
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Once you’ve joined, here’s what you should know.
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Ready to care for your health?
Need help applying?
You can get help from a certified enroller right away. It’s always free and confidential. Talk to someone about your options and have them guide you through the process. You can enroll in person, by phone or online.
Help is available in more than a dozen languages.
