Apply FREE for California Health Insurance Today

Looking for affordable health insurance? We'll help you find the right plan for your family and budget.

Primary Applicant
Please enter a valid age between 0-120
Please enter a valid 5-digit ZIP code
Please answer whether this person has premium-free Medicare Part A.
Most people 65 or older get Part A without paying a premium. Answer Yes if you have it or could get it without a premium. Answer No only if you would have to pay a premium for Part A and are not enrolled in it: then you can buy a Covered California plan, with help paying for it depending on your income.
Please choose which of these applies.
From 2027, federal premium tax credits depend on this answer.
Age 65+: Eligible for Medicare
Household Members

Applying with financial assistance? Include your spouse and everyone on your tax return — even those who don't need coverage. Just answer "No" to "Needs coverage?" for them.

Coverage Start Date

Select when you want your coverage to begin. A qualifying life event is required outside of open enrollment.

Enrollment Tip Icon
Enrollment Tip:
Selecting "Yes" doesn't commit you to anything; it simply checks if you qualify for savings. Many Californians are surprised to find they're eligible for discounts that can significantly lower their monthly premiums, sometimes even to $0. You'll still see all available plans either way. The only reason to choose "No" is if you specifically want an off-exchange plan and don't want to explore subsidies.
Covered California plan prices include the $1 California Premium Credit each month for each person the plan charges for, with or without financial assistance.
Estimated Annual Household Income

Enter your total expected household income for the coverage year. Include income from everyone in your tax household — including your spouse — even if they aren't applying for coverage.

$
Answer "Which of these applies?" for each person who needs coverage to see your savings.
Enrollment Tip Enrollment Tip
From 2027, the people applying are not eligible for premium tax credits (H.R. 1); prices are shown at full premium less the $1 California Premium Credit per person.
Your Position: 0% FPL
Medi-Cal
≤138%
94
150%
CSR-87
150-200%
CSR-73
200-250%
APTC Only
250-400%
Enrollment Tip Icon
Enrollment Tip:
If you want insurance for a child under 19 and are applying for financial assistance, a parent must be included in the application. The parent does not need to apply for coverage.
Contact Information

We'll use this to send you important information about your application.

Please enter a valid email address
Email addresses must match
You must agree to continue
Medi-Cal for Seniors

Compare On & Off-Exchange
The only CA marketplace showing Covered California AND direct carrier rates — find the lowest price.

Enrollment Tip Icon Enrollment Tips guide you with helpful insights as you apply.

Certified Agency

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?

  • Compare All Options — On & off-exchange plans
  • Find the lowest rate guaranteed
  • Personalized plan recommendations
  • Quick and easy online quotes

California Health Insurance Options

Explore comprehensive health insurance options in California. Compare Covered California (on-exchange) plans AND direct carrier (off-exchange) rates side-by-side — the only marketplace showing both options. Discover state subsidies that can reduce premiums to $0 and find the most affordable individual and family coverage in California.

Frequently Asked Questions About Covered California

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

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.

On-exchange plans are purchased through Covered California, the state's official health insurance marketplace. These plans may qualify for federal and state subsidies that can significantly reduce your monthly premiums—sometimes to $0. Off-exchange plans (also called direct carrier plans) are purchased directly from insurance companies like Blue Shield, Kaiser, or Health Net. While off-exchange plans don't qualify for subsidies, they can sometimes offer lower premiums for those who don't qualify for financial assistance. Cover Health California is unique in showing you BOTH on-exchange and off-exchange options side-by-side, so you can compare and find the lowest rate for your situation.

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.

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.

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.

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.

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.

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.

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.