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What is Covered California?

Updated: Oct 17, 2022

It's California's health insurance marketplace. This program allows Californians to get high-quality insurance coverage from top insurance companies through the Patient Protection and Affordable Care Act. With financial assistance and tax credits, you can find affordable health insurance plans.

Who is eligible?

Your financial assistance eligibility will be determined by the federal poverty level (FPL). The Federal Government sets these levels.

Health insurance premiums are based on the following:

  • Your age

  • Your ZIP code

  • Your household size

  • Your projected household income

  • The health plan and benefit level you select

How does it differ from Medi-Cal?

Medi-Cal offers very low-cost or free health coverage to eligible low-income California residents—it is California’s version of Medicaid and operates like an HMO. Covered California is the state’s health insurance marketplace where Californians can shop for affordable health plans and access financial assistance and tax credits. The primary difference is the cost, which is based on income eligibility. Insurance plans available through Medi-Cal and Covered California both offer essential health benefits.

When can I apply?

Open Enrollment for Covered California begins on November 1, 2021, and continues until January 31, 2022. However, if you have recently experienced a qualifying life event, you can enroll at any time of the year. Qualifying life events include:

  • Losing health insurance

  • Moving to or within California

  • Being released from prison

  • Getting married

  • Having a baby 生子


EPIA inc. is a private Insurance Agency with no ties with legal entities. The information contained in this article is based on information provided by the Medicare Official Website.

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