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Valley Health Plan will not be available in Monterey or San Benito counties in 2025. See what's available in your area

Covered California Health Plans  

Our health plans come in four metal tiers. They have different costs for premiums and services — but the same great benefits. 

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Bronze
Premiums LOWEST
Out-of-Pocket HIGHEST
60% coverage
Lower monthly premium if you qualify for financial help. Learn More arrow_forward
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More Savings
Silver
Premiums LOWER
Out-of-Pocket MODERATE
70 to 94% coverage
Lower monthly premium if you qualify for financial help. Learn More arrow_forward
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No Deductibles
Gold
Premiums HIGHER
Out-of-Pocket LOWER
80% coverage
Lower monthly premium if you qualify for financial help. Learn More arrow_forward
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No Deductibles
Platinum
Premiums HIGHEST
Out-of-Pocket LOWEST
90% coverage
Lower monthly premium if you qualify for financial help. Learn More arrow_forward
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Connecting Californians to Great Coverage

We’re here to help you get the health insurance you need, regardless of your income or health history.

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Brand-Name Insurance

All of our plans include preventive care, doctor visits, emergency care and much more.

Financial Help

Many customers pay $10 or less per month with financial help that’s only available here. Others may qualify for free Medi-Cal coverage.

Enrollment support

Free and confidential expert advice every step of the way. Get the help you need to make the best decision about your health coverage.

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Covered California and Medi-Cal use the same application. That means that once you apply, you’ll find out which program you qualify for. Some households qualify for both.

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Let’s talk health.

Need health insurance, but have questions about things like copays, deductibles and financial help? Start here.

Start Learning

The path to affordable health coverage is easy.

Follow these steps to select a health plan that fits your needs and budget.

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Explore Plans and Prices
Explore Plans and Prices

Get familiar with the plans we offer. Compare benefits, premium costs and services available.

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Qualify for Financial Help
Qualify for Financial Help

Find out if you qualify for subsidies to help you pay your monthly premium. You could even get free or low-cost health insurance through Medi-Cal.

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Apply
Apply

Select the right health plan for you, then apply online, in person or by phone.

Coming Soon

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Nov. 30 Deadline for Health Insurance Starting Dec. 1 Sign up through special enrollment by Nov. 30 for a health plan that starts the following month.

Health Insurance Companies

These companies meet all the state and federal requirements for health plans, plus additional standards set by Covered California. Oscar Health Plan will not be offering insurance in 2024.

Health Insurance Companies

These companies meet all the state and federal requirements for health plans, plus additional standards set by Covered California. Oscar Health Plan will not be offering coverage in 2024.

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Need help applying?

You can get help from a certified enrollment counselor right away. It’s always free and confidential. Talk to someone about your options and have them guide you through the process. You can enroll in person, by phone or online.

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Help is available in more than a dozen languages.

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