Renewing Your Health Plan Through Covered California

Renew your plan for 2018 from October 2017 through Dec. 15, 2017, for coverage beginning Jan. 1, 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.

Special Considerations for Anthem and Health Net Members for 2018

Anthem Blue Cross of California and Health Net are reducing the number of areas they serve and will not participate in some regions in 2018. Affected consumers will receive notices directly from their health plan as well as Covered California informing them they need to select a new plan for 2018. Those consumers who received notices can find additional information in the FAQ fact sheet. If you have an Anthem or Health Net plan, your coverage will continue until Dec. 31, 2017.

If you live in an area that is affected by these changes, you should shop for another plan. For assistance, call (800) 300-1506 or find local help. If you do not shop and select a new plan by mid-November, Covered California will automatically enroll you into an affordable alternative plan. For coverage starting Jan. 1, 2018, you have until Dec. 15, 2017, to change your plan.

Silver Plan Members

You may have heard that there will be 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”) will increase 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. 

  • For members receiving financial help paying for their coverage, your tax credit may also increase, so your final monthly premium payment may be similar to the amount you are paying now.
  • For members not receiving financial help, we encourage you to shop and compare other plan types within your area and check to see if you are eligible for financial assistance even if you have not been eligible in the past.
  • Members who do not receive a subsidy may be able to avoid certain rate increases in 2018 by switching to a different metal tier (Gold or Bronze) or shopping directly through an insurance company. Members in this situation are encouraged to contact an expert Certified Insurance Agent or Certified Enrollment Counselor for assistance.

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.