How to apply for Employer Health Insurance
Health insurance offered through a person's job.
Who it's for
Employees who meet their employer's eligibility requirements.
How to apply
- 1
Ask your employer or Human Resources
Ask your employer or Human Resources: "Does my job offer health insurance?"
- 2
Ask when you become eligible
Ask when you become eligible.
- 3
Ask for information about all available health plans
Ask for information about all available health plans.
- 4
Find out how much the employer pays
Find out how much the employer pays.
- 5
Find out how much will be deducted from each paycheck
Find out how much will be deducted from each paycheck.
- 6
Compare the plans
Compare premiums, deductibles, copayments, prescription coverage, and provider networks.
- 7
Ask whether a spouse and children can be added
Ask whether a spouse and children can be added.
- 8
Complete the employer's enrollment form or online application
Complete the employer's enrollment form or online application.
- 9
Add eligible family members if desired
Add eligible family members if desired.
- 10
Select the health plan
Select the health plan.
- 11
Submit the enrollment
Submit the enrollment.
- 12
Ask when coverage begins
Ask when coverage begins.
- 13
Keep the insurance card when it arrives
Keep the insurance card when it arrives.
What to have ready
- Employer and employee information
- Family member information (spouse and children), if adding them
Where to apply
Good to know
- New employees may have a limited enrollment window, so they should ask about insurance soon after starting a job.
This California guide is general information, not an official eligibility decision. Requirements vary by program and can change. A resettlement agency, county benefits office, or Covered California enrollment counselor can help you confirm your options.