Health Care Reform

Covered California has made it simple and more affordable for millions of Californians to get high-quality health insurance that can't be canceled or denied because of a pre-existing medical condition or if you get sick. Legal residents of California will be eligible to buy health coverage through Covered California every year during the Open enrollment for private health coverage through Covered California in 2017 begins November 1, 2017 and ends on January 31, 2018.


Purchasing insurance through Covered California has many advantages. For the first time ever, you will be able to make true "apples-to-apples" comparisons of health insurance. Covered California is the only place where you can learn about and use federal financial assistance that can help lower your health care costs. Whether you purchase insurance from Covered California or not, you also will benefit from new standards for health coverage. As part of the federal health care law, the Affordable Care Act provides such coverage as doctor visits, hospitalization, emergency care, maternity, pediatric care for your kids, prescriptions, among other services. All newly sold health insurance plans – whether sold through Covered California or outside the marketplace — will cover these services.


Special Enrollment


Qualified individuals can enroll in a Covered California Health Plan or change their Covered California Health Plan when any of these events happen:


A qualified individual or dependent loses Minimum Essential Coverage (MEC) (this is defined in greater detail below);


A qualified individual gains a dependent or becomes a dependent through marriage, birth, adoption or placement for adoption;


An individual who was not previously a citizen, a national or a lawfully present individual gains such status which makes them newly eligible for coverage;


A qualified individual’s enrollment or non-enrollment in a Covered California Health Plan is unintentional, inadvertent or erroneous and is the result of the error, misrepresentation or inaction of anyone involved with Covered California or the Department of Health and Human Services;


An enrollee adequately demonstrates to Covered California that the Covered California Health Plan in which he or she is enrolled substantially violated a material provision of its contract in relation to the enrollee;


An individual is determined newly eligible or newly ineligible for premium assistance or has a change in eligibility for cost-sharing reductions, regardless of whether the individual is already enrolled in a Covered California Health Plan;


An individual whose existing coverage through an eligible employer-sponsored plan will no longer be affordable or provide minimum value; and


A qualified individual or enrollee gains access to Covered California Health Plans as a result of a permanent move.


Enrollment Date Based on Special Qualifying Event:                          Coverage Effective:


1st and 15th of the month                                                                              First day of the following month


16th and last day of the month                                                                      First day of the second following month