coveredcaliforniaCovered California is an online marketplace where you can compare, apply for, and purchase health coverage. There are 4 plan levels: bronze, silver, gold, and platinum.

All plans offer the same essential benefits, and the only difference is how much you will pay in monthly premiums and out-of-pocket costs.

Monthly premiums are based on plan level, geographic region (there are 19 in California), age, and family size. There are limits on how high the premium can be for age and family size. Premium assistance (also known as advanced tax credits) is available for those who qualify based on their income and family size.

coveredcatoolUse Covered California’s Shop and Compare Tool to see how much you’ll pay in monthly premiums and whether you’re eligible for premium assistance.

What are the differences between the bronze, silver, gold, and platinum plans?

All 4 plan levels (bronze, silver, gold, platinum) offer the same essential benefits:

  • Preventive services and chronic disease management
  • Outpatient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative services and devices
  • Laboratory services
  • Pediatric services, including dental and vision care

Recent Changes

The Affordable Care Act introduced new benefits and protections for people shopping for health insurance.

These benefits are already in place (for plans outside of Covered CA):

  • Certain preventive services are free
  • Children can stay on their parents' health plan until age 26
  • Insurance companies cannot:
    • cancel coverage due to illness
    • deny children coverage because of pre-existing conditions
    • have lifetime dollar limits on coverage

    These benefits will begin 2014 (for all plans):

    • Individual and small business health plans must offer the same essential benefits as Covered California
    • Insurance companies cannot:
      • deny adults coverage because of pre-existing conditions
      • charge people more because of gender or health conditions
      • have an annual dollar limit on coverage

When to Enroll

During the first year, you can enroll in Covered California starting October 1, 2013 through March 31, 2014.

In 2014 and every year after, you can enroll in Covered California starting October 15 through December 7.

You can only enroll outside the enrollment period if you have a qualifying life change such as the loss of a job, a marriage or divorce, or the birth of a child. Please call Covered California for more details.

What is Special Enrollment?

How to Enroll

You can enroll starting October 1, 2013 using the following options:

Plan Levels

Health insurance companies will sell four plan levels - platinum, gold, silver, and bronze. All levels will offer the same essential benefits (listed above). The more expensive plan levels will pay for a higher percentage of health care expenses.

CATEGORYHOW MUCH YOU PAYHOW MUCH INSURANCE PAYS
Platinum10%90%
Gold20%80%
Silver30%70%
Bronze40%60%

Minimum coverage plans are also available for anyone 30 years old and younger. These bare bones plans have lower premiums but higher out of pocket costs. Premium Assistance is not available with this plan.

Premiums and Out-of-Pocket Cost

Out-of-pocket cost is the amount you pay for services that are covered by the plan. This includes co-payments (what you pay at the doctor) and deductibles.

 PLATINUMGOLDSILVERBRONZE
Preventive$0$0$0$0
Primary Care$25$45$4 - 45$60 (3 visits per year)
Specialty Care$50$65$6 - 65$70
Urgent Care$50$90$8 - 90$120
Emergency$150$250$25 - 250$250
Generic Medication$5$25$4 - 2530%
Lab Testing$25$45$6 - 4530%
X-Ray$40$65$10 - 6530%

Insurance Companies by Area

Use this chart to find the Covered California insurance providers in your area. You can use the Shop and Compare Tool to compare prices.

Children's dental plans will be sold separately. See the complete list of rates at Covered California.

Counties

Insurance Companies

Alpine, Del Norte, Siskiyou, Modoc,
Lassen, Shasta, Trinity, Humboldt,
Tehama, Plumas, Nevada, Sierra,
Mendocino, Lake, Butte, Glenn,
Sutter, Yuba, Colusa, Amador,
Calaveras, Tuolumne
Anthem - PPO
Blue Shield - EPO
Kaiser Permanente - HMO (specific areas only)
Napa
Sonoma
Solano
Marin
Anthem - PPO
Blue Shield - EPO
Kaiser Permanente - HMO
Health Net - PPO
Western Health Advantage - HMO
Sacramento
Placer
El Dorado
Yolo
Anthem - PPO, HMO
Blue Shield - PPO
Kaiser Permanente - HMO
Western Health Advantage - HMO
San FranciscoAnthem - EPO
Blue Shield - PPO
Chinese Community Health Plan - HMO
Health Net - PPO
Kaiser Permanente - HMO
Contra CostaAnthem - PPO
Blue Shield
- PPO
Contra Costa Health Plan - HMO
Health Net - PPO
Kaiser Permanente - HMO
AlamedaAlameda Alliance for Health - HMO
Anthem - PPO
Blue Shield - EPO
Kaiser Permanente - HMO
Santa ClaraAnthem - PPO, HMO
Blue Shield - PPO
Health Net - PPO
Kaiser Permanente - HMO
Valley Health Plan - HMO
San MateoAnthem - PPO
Blue Shield - PPO
Chinese Community Health Plan - HMO (northern San Mateo only)
Health Net - PPO
Kaiser Permanente - HMO
Santa Cruz
Monterey
San Benito
Anthem - PPO
Blue Shield - EPO
Health Net - PPO
San Joaquin
Stanislaus
Merced
Mariposa
Tulare
Anthem - PPO
Blue Shield - PPO
Health Net - PPO
Kaiser Permanente - HMO (specific areas only)
Fresno
Kings
Madera
Anthem - PPO, HMO
Blue Shield - PPO
Kaiser Permanente - HMO
San Luis Obispo
Ventura
Santa Barbara
Anthem - PPO
Blue Shield - PPO
Kaiser Permanente - HMO (specific areas only)
Mono
Inyo
Imperial
Anthem - PPO
Blue Shield - PPO
Kaiser Permanente - HMO (specific areas only)
KernAnthem - PPO
Blue Shield - PPO
Health Net - PPO
Kaiser Permanente - HMO
Los Angeles (partial)Anthem - EPO, HMO
Blue Shield - PPO
Health Net - PPO, HMO
Kaiser Permanente - HMO
LA Care Health Plan - HMO
Molina Healthcare - HMO
San Bernadino
Riverside
Anthem - PPO, HMO
Blue Shield - PPO
Health Net - PPO, HMO
Kaiser Permanente - HMO
Molina Healthcare - HMO
OrangeAnthem - EPO, HMO
Blue Shield - PPO
Health Net - PPO, HMO
Kaiser Permanente - HMO
San DiegoAnthem - EPO, HMO
Blue Shield - PPO
Health Net - PPO, HMO
Kaiser Permanente - HMO
Molina Healthcare - HMO
Sharp Health Plan - HMO (copay), HMO (coinsurance)