Health Care Costs and Getting Help Paying for Coverage

At Covered California, you can find affordable health insurance that meets your needs and budget. You can shop online, in person or by phone and compare different health insurance plans, as well as learn whether you qualify for financial help, such as federal tax credits to reduce your monthly premium costs.

Health insurance premiums through Covered California are based on an enrollee’s age, where they live (their ZIP code), their household size, their projected household income, and the health plan and benefit level they select.

Covered California uses the Federal Poverty Level (FPL) to determine eligibility for financial help and programs such as Medi-Cal. These levels, set each year by the federal government, take into account the individual’s annual household income and household size. View the Federal Poverty Level chart to estimate your percentage of FPL. Then use the Shop and Compare tool to see the cost of plans in your area and find out whether you qualify for financial help or free or low-cost Medi-Cal.

To read more about getting financial help paying for your insurance premium and other costs associated with using health care, click on the topic headings below.