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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.
What you will Pay
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 More information available 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.



