Renewing Your Health Plan Through Covered California

For health plans active in 2018, the renewal and open-enrollment period ended on Jan. 31, 2018. The next renewal and open-enrollment period will begin in the fall of 2018. 

It is important to take a look at your health plan during the renewal period because plan options and rates could change each year, and you may qualify for a different amount of financial help — especially if things like your income, household size and address have changed since last year. Renewal is also a great time to update your information with Covered California and shop for new coverage.

To see your health plan options and rates, use our Shop and Compare Tool. Then either sign in to your Covered California online account, contact a Certified Insurance Agent or Certified Enrollment Counselor, or call Covered California at (800) 300-1506 (TTY: [888] 889-4500) to make the change.

If you decide to shop for a new plan, sign in to your account before using the Shop and Compare Tool so that your selection can be saved. If you add a plan to your shopping cart before you are signed in, your selection may not be saved.

This year, Covered California offers a provider search tool to help consumers find health insurance plans with the doctors they want. Learn more about searching for providers available in plans you are considering for 2018.

Silver Plan Members

You may have heard that there was an additional surcharge added to Silver plan members’ premiums in 2018 due to continued uncertainty at the federal level. It is important to note that while this surcharge (known as the “cost-sharing reduction surcharge”) increases the gross premium of a plan, most consumers will not see a significant change in the net price of their monthly premium because they will also see an increase in their financial help. Cost-sharing reductions are included in Enhanced Silver plans and reduce an individual’s out-of-pocket costs, such as their copays, coinsurance and deductibles. Enhanced Silver plan consumers will continue to receive these benefits. 

How to Renew With Medi-Cal

Medi-Cal renewal happens throughout the year, occurring on the anniversary of the member’s enrollment in Medi-Cal. This means that Medi-Cal renewal may or may not coincide with the Covered California renewal period.

If members of your household have Medi-Cal, they will receive a Medi-Cal renewal form from their local county human services agency. Complete this form and mail or fax it, along with any information the county requests, to your local county human services agency. You can also renew by visiting your county human services agency in person or by calling the phone number on the renewal notice.

If you lose Medi-Cal coverage, you may enroll in health insurance coverage through Covered California in the special-enrollment period due to a loss of coverage.