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Everything you need to know about picking the right health insurance plan. Everything you need to know about picking the right health insurance plan. Everything you need to know about picking the right health insurance plan. Everything you need to know about picking the right health insurance plan.

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Most Californians who buy insurance through Covered California qualify for financial help. The amount you get depends on your household income and size. It can make a big difference.

  • Bronze Plan

    Sam

    November 16, 2000
    New York
    Makes $19230/year
    Premium$2389
    Financial Help-$2450
    Monthly payment$345
  • Silver Plan

    David

    January 14, 2001
    California
    Makes $19230/year
    Premium$2389
    Financial Help-$2450
    Monthly payment$345
  • Gold Plan

    Jonah

    December 25, 1984
    Texas
    Makes $19230/year
    Premium$2389
    Financial Help-$2450
    Monthly payment$345
  • Platinum Plan

    Abraham

    Feburary 25, 1970
    San Fransico
    Makes $19230/year
    Premium$2389
    Financial Help-$2450
    Monthly payment$345
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Medical: $5,800
Pharmacy: $450
Medical + pharmacy
(One combined deductible):$7,200
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What you will Pay

Plan comparison
Plan Tier
Monthly PaymentDeductiblePlan Coversof average annual costYou PayPreventive CareOut-of-Pocket Maximum
BronzeBronze
TranquiloHighest60%more40%FreeIndividual: $9,800
Family: $`9,600
SilverSilver
LowHighest*60%*40%FreeIndividual: $9,800
Family: $`9,600
GoldGold
LowHighest60%40%FreeIndividual: $9,800
Family: $`9,600
PlatinumPlatinum
LowHighest60%40%FreeIndividual: $9,800
Family: $`9,600

Covered California health insurance plans

Covered California health insurance plans — and all health plans in the individual and small-group markets — are sold in four levels of coverage: Bronze, Silver, Gold and Platinum. As the metal category increases in value, so does the percentage of medical expenses that a health plan covers compared with what you are expected to pay in and deductibles.

Plans in higher metal categories have higher monthly premiums but when you need medical care, you pay less. Alternatively, you can choose to pay a lower monthly premium, and when you need medical care, you pay more. You can choose the level of coverage that best meets your health care needs and budget.

Some customers also have the option of buying minimum coverage plans or catastrophic plans. These plans have low monthly premiums and protect you in the event that the worst-case scenario happens.