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Cover Health California - Affordable Health Insurance

Looking for affordable health insurance in California? Explore personalized health plans, compare quotes, and find the best coverage options for you and your family—all in one place. It’s fast, secure, and easy.

Open Enrollment Period is Active!

Great news! You can enroll in health insurance without needing a qualifying life event. The open enrollment period is the annual window when anyone can sign up for affordable health coverage, compare health insurance plans, and make changes to their existing coverage.

Enrollment Period: -
60 days remaining

Don't miss out! Get your free health insurance quote today and find affordable coverage options before the enrollment period ends.

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Covered California - Official Health Insurance Marketplace

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Licensed by California's official health insurance marketplace

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Many Qualify for $0 Premiums!

Over 90% of Californians who apply receive financial help. You could qualify for subsidies that reduce your monthly premium to $0. Apply 100% free today to see your savings!

Why Choose Us?

  • Personalized health plan recommendations
  • Explore cost-saving programs
  • Quick and easy online quotes

California Health Insurance Options

Explore comprehensive health insurance options in California, including Covered California plans, Medi-Cal, Medicare Advantage, and family coverage. Compare personalized quotes for individual and family plans, discover California subsidies that can reduce premiums to $0, and find affordable health coverage that fits your needs today.

Cover Health California

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SmartEnroll Icon SmartEnroll Tips guide you with helpful insights as you apply. From avoiding common pitfalls to uncovering hidden opportunities, these tips make the process smoother—and you won't find them anywhere else.

Frequently Asked Questions About Covered California

Get answers to common questions about applying for Covered California health insurance

What is Covered California?

Covered California is the state's official health insurance marketplace where individuals, families, and small businesses can compare and purchase quality, affordable health coverage. As California's implementation of the Affordable Care Act (ACA), Covered California helps eligible residents access health insurance plans and financial assistance to make coverage more affordable.

How do I apply for Covered California health insurance?

To apply for Covered California, simply complete the online application form above. The application process takes about 10-15 minutes and requires basic information about your household, income, and current health coverage. After submitting your application, you'll receive instant quotes showing available health plans and any financial assistance you qualify for. You can then compare plans and enroll in the coverage that best fits your needs and budget.

When can I enroll in Covered California?

Covered California has an annual Open Enrollment period, typically running from November 1 through January 31 each year. During this time, anyone can apply for coverage or make changes to their existing plan. Outside of Open Enrollment, you can still apply if you qualify for a Special Enrollment Period due to life events such as losing other health coverage, getting married or divorced, having a baby, or moving to California. Additionally, you can apply for Medi-Cal (California's Medicaid program) year-round if you meet income eligibility requirements.

Who is eligible for Covered California coverage?

To be eligible for Covered California, you must be a California resident, a U.S. citizen or lawfully present immigrant, and not currently incarcerated. You cannot be enrolled in Medicare or most other government health programs (except TRICARE). Covered California serves individuals and families at all income levels, though those with lower incomes may qualify for premium subsidies or Medi-Cal. Use our application tool above to check your eligibility and see if you qualify for financial assistance.

What documents do I need to apply for Covered California?

To complete your Covered California application, you'll need Social Security numbers for all household members applying for coverage, immigration documents (if applicable), employer and income information (recent pay stubs, W-2 forms, or tax returns), and information about any current health insurance coverage. While you can start the application without these documents, having them ready will help you complete the process faster and more accurately.

How long does the Covered California application process take?

The initial Covered California application typically takes 10-15 minutes to complete online. Once submitted, you'll receive instant eligibility results showing what health plans and financial assistance you qualify for. If you decide to enroll in a plan, the enrollment process usually takes an additional 10-15 minutes. Your coverage can start as soon as the first day of the following month, depending on when you complete your application and make your first payment.

Can I get help completing my Covered California application?

Yes! Cover Health California provides free assistance throughout the application and enrollment process. Our certified enrollment counselors can help you understand your options, complete your application, compare plans, and select the best coverage for your needs. All assistance is provided at no cost to you, and our team is trained to ensure your application is accurate and complete. You can also call Covered California's Service Center at 1-800-300-1506 for additional support.

What happens after I submit my Covered California application?

After submitting your Covered California application, you'll immediately see your eligibility results, including any premium tax credits or subsidies you qualify for. You'll then be able to browse and compare available health plans in your area, viewing detailed coverage information, costs, and provider networks. Once you select a plan and complete enrollment, you'll receive a confirmation email with your coverage details. Your insurance carrier will send you welcome materials and your member ID card before your coverage start date.

Apply for Covered California Online in Minutes

Applying for Covered California health insurance has never been easier. Our streamlined online application process allows you to apply for Covered CA from the comfort of your home, at any time that's convenient for you. Simply complete the form above to get started with your Covered California application today.

The Covered CA application process is designed to be simple and straightforward. You'll answer questions about your household size, income, and current coverage status. Based on your responses, the system will determine your eligibility for Covered California plans and any financial assistance programs you may qualify for, including premium tax credits and cost-sharing reductions.

When you apply for Covered California through our platform, you'll receive personalized quotes showing exactly how much you'll pay for coverage, taking into account any subsidies or tax credits. This transparency helps you make informed decisions about your health insurance coverage without any surprises.

Covered California Enrollment: When and How to Sign Up

Understanding Covered California enrollment periods is essential for securing health coverage when you need it. The annual Open Enrollment period for Covered California typically runs from November 1 through January 31, giving California residents a three-month window to enroll in health coverage or make changes to their existing plans.

During Open Enrollment, anyone who meets basic eligibility requirements can sign up for Covered CA without needing to qualify for a Special Enrollment Period. This is the best time to compare plans, explore your options, and ensure you have coverage for the upcoming year. If you miss Open Enrollment, you may still be able to enroll in Covered California if you experience a qualifying life event such as:

  • Loss of health coverage (including employer-sponsored coverage, COBRA, or Medi-Cal)
  • Changes in household (marriage, divorce, birth, adoption, or death)
  • Changes in residence (moving to California or moving within California to a new service area)
  • Changes in income that affect eligibility for financial assistance
  • Gaining citizenship or lawful presence status

Additionally, Medi-Cal enrollment is available year-round for eligible California residents. If your income qualifies you for Medi-Cal, you can apply any time without waiting for Open Enrollment. Our application will automatically determine if you're eligible for Medi-Cal based on your household size and income.

Why Apply for Covered California Through Cover Health California?

Cover Health California is your trusted partner for navigating the Covered California application and enrollment process. We're committed to making health insurance accessible and understandable for all Californians. When you apply through our platform, you benefit from:

  • Expert Guidance: Our certified enrollment counselors are available to help you understand your options and complete your application at no cost to you.
  • Instant Quotes: See real-time pricing and subsidy calculations based on your specific household situation.
  • Comprehensive Plan Comparison: Compare all available Covered California plans side-by-side, including benefits, networks, and costs.
  • Financial Assistance Calculation: Automatically determine your eligibility for premium tax credits, cost-sharing reductions, and Medi-Cal.
  • Secure Application Process: Your personal information is protected with bank-level encryption and security measures.
  • Ongoing Support: We're here to help even after you enroll, assisting with plan changes, renewals, and questions throughout the year.

Whether you're applying for Covered California for the first time or looking to change your existing coverage, our platform makes the process simple, fast, and stress-free. Start your application today and take the first step toward affordable, comprehensive health coverage for you and your family.