Also, a new federal law, The American Rescue Plan Act of 2021 (ARPA), increases premium subsidies, provides free health insurance if you’re unemployed in 2021, and waives excess subsidy payments for the 2020 tax year. If you qualify for new financial assistance, you can visit Covered California to sign up.
This website provides information about the new programs available under ARPA as well as other facts about getting health insurance under the Affordable Care Act (ACA), including:
To get covered, you can go directly to the online health insurance marketplace for California. If you need personalized help, you can reach out to an enrollment assistant. Most enrollment helpers are working remotely during the COVID crisis.
Where's the California Health Care Exchange?
You can find the health insurance exchange for California at Covered California. This is where you can learn about the various health insurance options available to you under the Affordable Care Act. If you see a plan you like, you'll be guided through the enrollment process online.
Getting Personalized Help with Enrollment
In California, if you need help understanding your options for coverage under Obamacare or signing up for a plan, you can get free assistance from a certified enrollment counselor or from a licensed health insurance agent or broker.
Enrollment counselors can explain your options, answer your questions, and help you apply for the plan you choose -- but they can't recommend a specific plan for you.
To find an enrollment counselor, go to Find Help at Covered California. You can then search for a certified helper in your area.
This article explains the costs of health care plans offered under the Affordable Care Act (commonly called Obamacare) for individuals or families who are currently uninsured or not covered by a job-based health plan.
What you'll pay for an Obamacare plan depends on five things:
The level of coverage you choose
Whether you qualify for a subsidy
Where you live in California
Whether you smoke
Read on to learn more about each of these factors.
1. The Level of Coverage You Choose
Obamacare insurance plans offer four levels of coverage:
Platinum -- covers approximately 90% of health care costs Gold -- covers approximately 80% of health care costs Silver -- covers approximately 70% of health care costs Bronze –- covers approximately 60% of health care costs