Is Covered California an insurance company?

No. Covered California is where Californians can get brand-name health insurance under the Patient Protection and Affordable Care Act and see if they qualify for financial subsidies from the federal government to help them pay their monthly premiums. Visit our About Covered California page to learn more.

How much does it cost to buy insurance through Covered California?

The best way to get a quick estimate of the price you would pay is to use the Shop and Compare Tool. The price is based on your estimated income for the coverage year, your ZIP code, your household size and your age. If you are a low- or moderate-income Californian, you may get help buying insurance from Covered California through monthly subsidies that lower your premium costs so that you pay less for top-quality, brand-name insurance. Learn more about who qualifies for a subsidy.

When can I enroll?

Open enrollment begins Nov. 1, 2022, and continues through Jan. 31, 2023. Apply by Dec. 15 for coverage to begin on Jan 1. If you apply later, your coverage will begin later, but as long as you meet the Jan. 31 enrollment deadline, you will avoid owing a tax penalty for being uninsured. Others with special qualifying life events can enroll at any time of the year. Medi-Calenrollment is also year-round. Medi-Cal and Covered California use the same application. After you enter your information, you will find out whether you qualify for Medi-Cal or Covered California.

The two most common kinds of managed care plans in California are:

  • PPOs (Preferred Provider Organization): PPO plans provide flexible medical
    coverage. You and your family will have a primary care physician, but you can see any specialist you want without
    a referral. However, you’ll save more money when you go to an in-network doctor than when you go to an
    out-of-network doctor.
  • HMOs (Health Maintenance Organization): With HMO plans, you choose a primary
    care physician who will be your go-to doctor whenever you need medical care. If you or your family needs
    specialist care, your primary doctor will refer you to a specialist.

Copayments in HMO plans can be as little as $10. The only disadvantage with HMO plans is
the fact that you can only receive care from doctors in your network plan because other services are not covered
outside the network.

What are the plan options?

You’ll have a choice of buying insurance from at least two but as many as six private insurance companies, depending on where you live. The vast majority of Covered California consumers have access to insurance plans from at least three different companies. Each plan offers products in multiple metal tiers (or coverage levels), which vary whether you want to pay more for your monthly premium and less when you use care, or pay less for your premium and more when you use care. Consumers with limited incomes may learn they qualify for Medi-Cal.

To see which brand-name insurance companies offer plans in your area, use our Shop and Compare Tool.

How can I find out if my doctor is in a plan offered through Covered California or if my prescription medication is covered?

If you have not selected a health plan, the best way to find out if a doctor is in a plan you are considering is to look at your options in Preview Plans and follow the “View Directory” link for a specific plan to see the plan’s provider directory on the insurance company’s website. If you have a specific doctor in mind, it’s also a good idea to call that provider’s office and ask about the insurance it accepts. To learn more about prescription drugs and formularies, visit our Prescription Drugs page.

If you have already selected your health plan, go to your health insurance plan’s website and look up your provider (doctor, hospital, etc.). Doing this prior to making an appointment can help you verify that your provider participates in your chosen plan’s provider network. Learn more on the Using Your Plan page.

How do I create an online account?

For instructions on how to create an online account, visit the Members area.

What can I do if I created an online account but forgot my password?

You can reset your password by clicking “Account Sign In” and then clicking the “Forgot Your Password?” link. Enter your user name. After you correctly answer your security questions, you will be able to enter a new password. If you do not remember the answers to your security questions, it is best to leave them unanswered and call the Service Center at (800) 300-1506. A Service Center representative can help reset your password.

What can I do if I forgot my user name?

You can reset your password by clicking “Account Login” and then clicking the “Forgot Your Username?” link.

This website is owned and maintained by Bluefin Corporate Benefits & Insurance Services, which is solely responsible for its content. The email addresses and phone numbers that appear throughout this site belong to Bluefin Corporate Benefits & Insurance Services and cannot be used to contact Covered California. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. DBA Bluefin Corporate Benefits & Insurance Services | License #0F46900. Corporate address: 2033 San Elijo Ave Unit 212 Cardiff CA 92007.