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
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Provider networks are same as off exchange plans
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Plans are Guaranteed Issue- they cannot deny you due to preexisting conditions
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You may only enroll at open enrollment or if you have a qualifying life event
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Applications are submitted via the Covered California website
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Premiums may be lower if you qualify for APTC (Advanced Premium Tax Credit).
Download the 2019 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
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Provider networks are same as on exchange plans
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Plans are Guaranteed Issue- they cannot deny you due to preexisting conditions
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You may only enroll at open enrollment or if you have a qualifying life event.
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Applications are submitted direct with the insurance company.
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Premiums are fixed and are not eligible for premium assistance.
CALIFORNIA INSURANCE CARRIERS WE WORK WITH IN THE IFP MARKET
BlueShield of California, Anthem Blue Cross, Kaiser Permanente, Health Net of California,
LA Care Health Plan, Sharp Health Plan, Oscar Health Plan of CA, and Molina Healthcare
Each year you may enroll, change or disenroll from your individaual or family health insurance plan during the annual open enrollment period. Outside of this period, you may only enroll or make changes if you experience a qualifying life event. Mark your calendar now & give us a call for free, no obligation assistance during this time frame.
Covered California Open Enrollment Period
November 1, 2020 - January 15, 2021
