Looking to Enroll in Health Insurance in California?  

Health Insurance is complicated and confusing which is why its not just something we do, its all we do. We can help you navigate this complex system to get you and your family the coverage you need. Start by determining how you want to apply for coverage. Here are the two options for individual & families to choose from and the differences between them. 

On-Exchange

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• Carriers & plans available to you are based on your residential zip code

• Provider networks are same as off exchange plans

• Plans are Guaranteed Issue- they cannot deny you due to preexisting conditions

• You may only enroll at open enrollment or if you have a qualifying life event 

• Applications are submitted via the Covered California website

• Premiums may be lower if you qualify for APTC (Advanced Premium Tax Credit). 

Download the 2020 FPL Guidelines to see if you qualify

Off -Exchange

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• Carriers & plans available to you are based on your residential zip code​ 

• Provider networks are same as on exchange plans

• Plans are Guaranteed Issue- they cannot deny you due to preexisting conditions

• You may only enroll at open enrollment or if you have a qualifying life event. 

• Applications are submitted direct with the insurance company. 

• Premiums are fixed and are not eligible for premium assistance.

Disclaimers:  "Covered California", "California Health Benefit Exchange" and the Covered California Logo are registered tradmarks or service marks of Covered California, in the United States."

"This website is owned and maintained by Jacie Caballero of Coast Cities Insurance Solutions, Inc. which is solely responsible for its content. The site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The email addresses and telephone numbers that appear throughout this site belong to Coast Cities Insurance Solutions, Inc. and cannot be used to contact Covered California. "

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