Individual & Family Health Insurance

Health insurance provides a long term protection for you and your family. It is a safety net, should you get sick or injured; it maintains your wellbeing with tests, screenings and vaccinations; and most importantly, it gives you a peace of mind, knowing that your family is protected.

With the cost of health insurance continuously rising and employer health insurance not always available, it is more important than ever to find an affordable health plan that covers your family’s needs without breaking your wallet.

Since 2010, we have made it our goal to educate consumers about the Affordable Care Act, which mandates that, beginning January 1, 2014, most people will be required to purchase health insurance or else pay a penalty. Low income individuals have the option of applying for federal subsidies or enroll in a fully federal subsidized plan known as Medicaid (or Medi-Cal in California).

The open enrollment period for health insurance is currently closed (the next open enrollment period will be in the fall of 2014), but you may enroll in a Covered California health insurance plan now if you experience a qualifying life event.

What does health insurance cover?

The essential health benefits include:

  • Emergency Services
  • Ambulatory Patient Services
  • Hospitalization
  • Laboratory Services
  • Maternity and Newborn Care
  • Mental Health and Substance Abuse Disorder Services, including Behavioral Health Treatment
  • Pediatric Services, including oral and Vision Care
  • Prescription Drugs
  • Preventative and Wellness Services, and Chronic Disease Management
  • Rehabilitative and Habilitative Services and Devices

Get your free quote and affordable health insurance now.

  1. Enter your zip code and basic information to get an instant health insurance quote
  2. Compare all health plans from the nation’s top health insurance companies to find the plan that is right for you
  3. Then click on “Apply” to fill out your health application and you are done!

Covered CA Certified

Get your free health quote!

NOTE: All applications go through an underwriting process. Most health insurance companies will reach a decision within 1 to 2 weeks. Individual and family health plans are not guaranteed approval. For guaranteed approval health insurance consider Small Business Group Health Insurance.

The open enrollment period for health insurance is currently closed (the next open enrollment period will be in the fall of 2014), but you may enroll in a Covered California health insurance plan now if you experience a qualifying life event.

Common types of qualifying life events for special enrollment:

  • • You get married or enter into a domestic partnership.
  • • You have or adopt a child, receive a child into foster care, or you place a child in adoption or in a foster home.
  • • You change where you permanently live (in-state, out-of-state, released from prison), gaining more options for Covered California health insurance plans.
  • • You lose your health coverage - no longer eligible for Medi-Cal or you lose health coverage through your job.
  • • Your income changes so much that you become newly eligible or ineligible for help paying for your insurance.
  • • You become a citizen, national or lawfully present individual.
  • • Your enrollment was wrong, due to the misconduct or misrepresentation of your health insurance company, Covered California or a non-Covered California entity (such as a Certified Enrollment Counselor).
  • • You applied for health coverage before March 31 and were denied for Medi-Cal after March 31.
  • • You are a member of a federally recognized American Indian or Alaska Native tribe.
  • • Covered California can also determine, on a case-by-case basis, that you experienced an exceptional circumstance, which could allow for a special enrollment period.
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