Open Enrollment
Available year-round if you qualify
Once a year, everyone can apply for coverage with no qualifying reason needed. If you miss this window, you’ll need to wait unless something changes in your life.
Health coverage that fits your life and your budget this text is long enough to several lines
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If you experience a major life change
you can enroll in a Covered California health insurance plan outside of the normal open-enrollment period. Most special-enrollment periods last 60 days from the date of the major life change.
For most major life changes, your coverage will start on the first day of the following month after you select a plan.
A | B | C | D | E | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z
Lost or will soon lose my health insurance
Find your letter from Covered California
Family members may get different eligibility results. Read each one carefully before choosing coverage.
Choose a Covered California plan, if eligible
If someone qualifies for a Covered California plan, they may be able to choose one online. Compare premiums, out-of-pocket costs, and doctor networks.
Lost or will soon lose my health insurance
Find your letter from Covered California
Family members may get different eligibility results. Read each one carefully before choosing coverage.
Choose a Covered California plan, if eligible
If someone qualifies for a Covered California plan, they may be able to choose one online. Compare premiums, out-of-pocket costs, and doctor networks.
Choose a Covered California plan, if eligible
If someone qualifies for a Covered California plan, they may be able to choose one online. Compare premiums, out-of-pocket costs, and doctor networks.
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Other Major Changes
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Open Enrollment vs. Special Enrollment
Whether you can apply right now depends on the time of year and your situation. Learn more about when you can enroll.
Special Enrollment
Available year-round if you qualify
Certain life events, like losing a job, getting married, or having a baby, open a 60-day window to enroll outside of open enrollment. You'll need to show proof of your qualifying event.
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See the stories
See the stories behind the people in Covered California
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What You Can Do
Our team can help you understand your options and what these federal changes mean for you. You may also be able to save by switching to a more affordable plan.
Not sure where to start?
What's your situation?
A
Actuarial value:
The average share of covered medical costs a health plan pays. Metal tiers are based on actuarial value, so higher metal tiers usually mean the plan pays more of your costs and you pay less when you get care.
Advance Premium Tax Credit (APTC):
Financial help that can lower your monthly premium when you enroll in a Covered California plan, if you qualify.
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C
COBRA: A federal law that may let you temporarily keep health coverage after certain events like losing your job or other coverage.
Coinsurance: Your share of the cost of a covered service, shown as a percentage of the allowed amount.
D
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Common Major Life Changes
These are the most common life changes that qualify for special enrollment. Not sure if your situation counts? Get help from us. You can also apply regardless. Covered California will review your application for Covered California plans, Medi-Cal, and other programs.
Lost or Will Lose Health Insurance
- Lost health insurance through your job
- Lost Medi-Cal coverage
- Lost student health coverage
- COBRA coverage ended
- Aged off a parent’s or child-only plan
Family or Household Changes
- Got married or entered a domestic partnership
- Had a baby, adopted a child, or began foster care
- Got divorced or legally separated
- Had a death in the household that affects coverage
Moved to or Within California
- Moved to California from another state
- Moved within California and plan options changed
Special Situations
- Experienced domestic abuse or spousal abandonment
- Were released from jail or prison
- Are a federally recognized American Indian or Alaska Native member
Plans
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