Covered California Insurance: Affordable Health Coverage for Californians

Covered California is the state-run health insurance exchange in California that was created under the Affordable Care Act. It offers Californians a range of health insurance plans that meet the requirements of the Affordable Care Act. This program helps Californians to find and get affordable health insurance that suits their needs and budget.

What is Covered California Insurance?

Covered California is the marketplace where you can find and purchase health insurance plans. It is designed to make it easier for individuals, families, and small businesses to purchase health insurance. The exchange offers a wide variety of health plans from different insurance providers, which can be tailored to your needs and budget. The insurance offered is designed to meet the requirements of the Affordable Care Act, so you can rest assured that you are getting quality coverage.

Covered California is open to Californians who do not have access to health insurance through their employer, as well as those who are self-employed or small business owners. It is also open to anyone who is interested in purchasing health insurance.

Benefits of Covered California Insurance

Covered California offers many benefits to Californians who are looking for affordable health insurance. Here are some of the benefits:

Wide Range of Plans
Covered California offers a wide range of health plans from different insurance providers, so you can choose the one that suits your needs and budget.
Lower Premiums
Covered California offers subsidies to help low-income Californians pay for their health insurance. This means you could pay less for your monthly premiums and out-of-pocket costs.
Preventive Care
Most Covered California plans cover preventive care, such as check-ups, cancer screenings, and vaccinations at no cost to you.
No Denial of Coverage
Under Covered California, insurance companies cannot deny you coverage because of a pre-existing condition or other factor.

How to Enroll in Covered California Insurance

To enroll in Covered California, you need to follow these simple steps:

  1. Visit the Covered California website.
  2. Create an account and provide your personal information.
  3. Choose a plan that suits your needs and budget.
  4. Submit your application and wait for approval.

If you need help enrolling or have any questions, you can contact Covered California directly or work with a certified insurance agent.


What is the income limit for Covered California?

The income limit for Covered California is based on your household size and income. For example, for a family of four, the income limit is $100,400. However, lower-income households may qualify for subsidies to help pay for their health insurance.

What types of health plans are available through Covered California?

Covered California offers a range of health plans, including HMOs, PPOs, EPOs, and HDHPs. Each plan has different benefits and costs, so it’s important to compare your options carefully.

Can I get dental and vision coverage through Covered California?

Yes, some Covered California plans offer dental and vision coverage. However, these plans will have an additional cost.

What if I can’t afford health insurance through Covered California?

If you cannot afford health insurance through Covered California, you may qualify for Medi-Cal, which is California’s Medicaid program. Medi-Cal is available to low-income households, and provides free or low-cost health coverage.

When can I enroll in Covered California?

You can enroll in Covered California during the open enrollment period, which typically begins in November and ends in January. However, you may be able to enroll outside of this period if you experience a qualifying life event, such as loss of job-based coverage or the birth of a child.


Covered California is a great option for Californians who are looking for affordable health insurance. By offering a range of health plans and subsidies, Covered California makes it easier for individuals and families to find and purchase quality coverage. If you are a Californian who needs health insurance, consider enrolling in Covered California today.