How to apply for Covered California
Covered California is the state's official health insurance marketplace. Eligible households may receive financial assistance that reduces premiums and other costs.
Who it's for
California residents who need to purchase their own insurance and are not covered by Medi-Cal, Medicare, or an affordable employer plan. Many lawfully present immigrants can enroll.
How to apply
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Create an account
Create an account.
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Start a new application
Start a new application.
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Enter the applicant's address and household information
Enter the applicant's address and household information.
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Enter household income and employment information
Enter household income and employment information.
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Provide immigration information when requested
Provide immigration information for household members applying for coverage when requested.
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Submit the application
Submit the application.
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Review the eligibility results
Review the eligibility results.
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Check whether financial assistance is available
Check whether financial assistance is available.
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Compare available insurance plans
Compare available insurance plans. Look at: monthly premium, deductible, copayments, prescription coverage, and doctors and hospitals in the network.
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Select a plan
Select a plan.
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Pay the first premium
Pay the first premium directly to the insurance company if a premium is required.
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Wait for the insurance card and coverage information
Wait for the insurance card and coverage information.
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Get free in-person help if you want it
Trained assisters and navigators help for free, often in many languages.
What to have ready
- Address and household information
- Household income and employment information
- Immigration information for household members applying for coverage, when requested
Where to apply
Good to know
- Covered California enrollment is generally tied to Open Enrollment or a qualifying Special Enrollment Period, unlike Medi-Cal, which accepts applications throughout the year.
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.