Covered California — Subsidized health insurance

With the ACA, millions of Californians access health insurance with government subsidy. We are Covered California certified agents at no cost to you.

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Certified agents

We help you find the right plan. No extra cost to you.

What's included?

10 ACA Essential Benefits

All ACA plans cover: hospitalization, emergency, maternity, mental health, prescriptions, labs, preventive, pediatric, rehabilitation and ambulatory services.

Premium Tax Credit (subsidy)

If your income is between 100% and 400% of the federal poverty level, you qualify for a subsidy that reduces your monthly premium.

Why choose us?

No rejection for pre-existing conditions

ACA plans cannot reject you or charge you more for pre-existing conditions. It's the law.

Certified agents at no extra cost

Using a Covered California certified agent doesn't increase your premium. We help you find the best plan and the insurer pays us.

MediCal if you qualify

If your income is below 138% of the federal poverty level, you may qualify for MediCal (California's Medicaid) — free or near-free insurance.

Open Enrollment and SEP

Annual enrollment is November–January. Outside that period, you can enroll with a SEP: job loss, marriage, birth and more.

Frequently asked questions

What does the plan metal level mean (Bronze, Silver, Gold)?

Metal levels indicate how costs are split between you and the insurer. Bronze: low premium, high deductible. Silver: middle (and the only one that gives cost-sharing subsidies). Gold: higher premium, lower out-of-pocket costs when using.

What is the Special Enrollment Period (SEP)?

It's a 60-day window to enroll outside Open Enrollment if you have a qualifying event: lost job (and insurance), got married, had a baby, moved to California, or turned 26 and aged off your parents' plan.