Health Insurance Through Covered California
Preliminary rates for 2019 have been submitted by our plan partners and are currently under review by the California Department of Managed Health Care and the California Department of Insurance. Finalized rates will be available in early October, and at that point you will be able to shop and compare health insurance plans for the 2019 coverage year. In the meantime, Medi-Cal enrollment is year round, and those who have a qualifying life event can apply for coverage now during our special-enrollment period.
Covered California offers coverage from these health insurance companies.
Not all companies are available in all areas.
These health insurance companies meet all the state and federal requirements for plans as well as additional standards established by Covered California. They represent a mix of major insurers and smaller companies, regional and statewide doctor and hospital networks, and for-profit and nonprofit plans. They deliver exceptional value and choice with affordable premiums, a wide choice of benefit levels and good access to doctors and hospitals in all areas of the state.
For more information about the health insurance companies Covered California works with, visit the Contact Your Health Insurance Company page.
Californians with limited incomes may be eligible for Medi-Cal. For information about the Medi-Cal program, visit the California Department of Health Care Services website.
Patient-Centered Benefit Design
Covered California is leading the way for consumers by using a patient-centered benefit design. What this means is consumers can shop across our different health insurance companies knowing that the benefits are the same, depending on metal tier, no matter which company they choose. Consumers get an apples-to-apples comparison about co-pays, deductibles and other out-of-pocket costs up front so there are no surprises when they use their plan. The consumer has their choice of coverage level based on a metal tier system to select a plan that best fits their needs. For a detailed look at the patient-centered benefit design, please refer to the charts below.