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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. 

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Bronze
Premiums LOWEST
Out-of-Pocket HIGHEST
60% coverage
Lower monthly premium if you qualify for financial help. Learn More arrow_forward
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More Savings
Silver
Premiums LOWER
Out-of-Pocket MODERATE
70 to 94% coverage
Lower monthly premium if you qualify for financial help. Learn More arrow_forward
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No Deductibles
Gold
Premiums HIGHER
Out-of-Pocket LOWER
80% coverage
Lower monthly premium if you qualify for financial help. Learn More arrow_forward
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No Deductibles
Platinum
Premiums HIGHEST
Out-of-Pocket LOWEST
90% coverage
Lower monthly premium if you qualify for financial help. Learn More arrow_forward
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Minimum coverage plans are also available to people who meet certain requirements, although these plans are not eligible for financial help.

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How Covered California Works

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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.

Who is eligible for a health plan through Covered California?

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California Residents

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Lawfully Present People

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Will I get financial help?

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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. edit
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Household Size
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Federal Financial Help
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State Financial Help
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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How do I apply? edit

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.

Apply

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.

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edit Renewal You will automatically be renewed each year. Learn More arrow_forward
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edit Reporting a Change Changes such as your income or location. Learn More arrow_forward
Who is eligible for a health plan through Covered California?
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California Residents
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Lawfully Present People
Will I get financial help?

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.

What kinds of financial help are available?
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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.

icon

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.

edit
How do I apply?

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.

Apply
What happens after I enroll?

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.

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Renewal
You will automatically be renewed each year.
check_circle
Reporting a Change
Changes such as your income or location.

Health Insurance Companies

These companies meet all the state and federal requirements for health plans, plus additional standards set by Covered California.

Once you’ve joined, here’s what you should know.

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Ready to care for your health?

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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.

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Help is available in more than a dozen languages.

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