Individuals and Families

Asian family; father driving with kids

Covered California™ makes it simple and more affordable for you and millions of other Californians to get quality health insurance, including Medi-Cal, that can't be canceled or denied because of a pre-existing medical condition or if you get sick. Legal residents of Californialegal resident of CaliforniaA person who is lawfully present is determined in accordance with federal law. You can find out if you meet the requirements of being lawfully present by reviewing the document may be eligible to buy health coverage through Covered California. You can shop easily online, in person or by phone for health insurance that is affordable for you and your family. The Covered California website provides you with a variety of online tools so you can learn more about a range of health insurance planshealth insurance planHealth insurance plans sold through Covered California, the state’s marketplace for the federal Patient Protection and Affordable Care Act, provide essential health benefits, follow established limits on cost-sharing (such as for deductibles, copayments and out-of-pocket maximum amounts) and meet other requirements of the federal health care law. that will be offered through Covered California™. You also can access statewide support services available in person or by phone.

On Oct. 1, 2013, Covered California began open enrollment for health insurance coverage that begins Jan. 1, 2014. Purchasing health insurance through Covered California has many advantages. For the first time ever, you will be able to make true “apples to apples” comparisons of health insurance. Covered California is the only place where you can learn about and use federal financial assistance that can help reduce your health care costs. You can also learn if you are eligible for low-cost or no-cost Medi-Cal. Whether you purchase insurance from Covered California or not, you also benefit from new standards for health coverage. As part of the new federal health care law, the Patient Protection and Affordable Care Act (Affordable Care Act)Patient Protection and Affordable Care ActEnacted in March 2010, the federal Patient Protection and Affordable Care Act (Affordable Care Act), occasionally referred to as “Obamacare,” provides the framework, policies, regulations and guidelines for implementation of comprehensive health care reform by the states. The Affordable Care Act expands access to quality affordable insurance and health care., all insurance plans must cover essential health benefitsessential health benefits Health care service categories that must be covered by all plans, starting in 2014. These service categories include ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services; behavioral health treatment; prescription drugs; rehabilitation and habilitation services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including dental and vision care. Insurance policies must cover these benefits in order to be certified and offered in the marketplace, and all Medicaid state plans (Medi-Cal in California) must cover these services by 2014. such as doctor visits, hospitalization, emergency care, maternity care, pediatric care for your children and prescriptions. All newly sold health insurance plans — whether sold through Covered California or outside the marketplace — must cover these services.

Covered California serves you and all Californians by helping to:

  • Improve access to quality coverage. More Californians than ever before have easy access to a wide range of private health insurance plans. More than 5 million Californians who do not have health insurance can benefit from lower-cost coverage. Covered California helps these individuals learn about the health coverage options that best meet their needs. It also helps millions more who are not eligible for financial support, but who can benefit by using the Covered California marketplace and the insurance protections that take effect.
  • Make health care coverage affordable. Covered California can help you find out if you are eligible for the sliding-scale financial assistance that helps to reduce your health care costs. If your income is very limited, you may be eligible for free coverage through Medi-CalMedi-CalCalifornia’s Medicaid health care program. This program provides free medical services for children and adults with limited income and resources. Your local county welfare/social services department manages Medi-Cal eligibility determinations. Visit for more information. Covered California also helps reduce health care costs for all Californians by reducing the number of uninsured and the burden of uncompensated care that was previously borne by all of those who had insurance.
  • Improve the health of all Californians. When you have health insurance, you don't have to wait for small health problems to become big ones. You and your family can have access to preventive care and a network of health professionals who are trained to keep you healthy. Covered California also works to promote prevention and wellness programs that help all Californians.