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my Talk me through

Get free expert help within 15 minutes

Help On Demand is for new enrollment only. If you already have a Covered California case, please contact your certified enroller if you have one, or call our service center at (800) 300-1506 for assistance.

Please fill in your contact information below.
Required fields are marked with an asterisk (*).

Enter ZIP code to select a city

Would you like a follow-up text message once your request is accepted? Standard text message and data charges may apply from your wireless provider
Would you like to participate in a follow-up Survey?

Here’s the fine print: A response time of 15 minutes or less is expected during normal business hours (9 a.m. to 5 p.m.). After those hours, and on weekends and holidays, callbacks are based on certified enroller availability, and may occur the next business day.

A Certified Enroller is an expert advisor who is a Covered California Certified Insurance Agent, Certified Application Counselor or a Certified Enrollment Counselor that provides enrollment assistance to consumers.

By sending us your contact information, you understand that it will be transmitted to a certified enroller who will contact you to provide enrollment assistance. When you submit this form, you agree to receive phone calls, texts or emails regarding health insurance from the certified enroller who receives your contact information. You may receive such calls or texts even if you are on the National Do Not Call Registry. Such calls or texts may use an automated telephone dialing system, but you will speak to a live certified enroller if you opt to receive a phone call through Help On Demand. Your phone carrier's normal rates for receiving calls or texts apply.

This is not a condition of obtaining health insurance. Do not continue with this form if you do not agree to these conditions.

This tool is for people who have been offered a Health Reimbursement Arrangement (HRA) by an employer to help pay for health insurance. If you are offered certain types of HRAs, you may not qualify for a tax credit to help purchase a Covered California plan. This tool will help you determine how the HRA you're offered affects your eligibility for a tax credit and what to do next.

There are several types of HRAs, and only some of them require you to use this tool. If your HRA requires use of this tool, you should have received a clear written notice from your employer explaining the terms of the HRA. You will need that notice, along with information to help estimate your household income, when you are ready to use this tool.

Use this tool if...

You have been offered one of the following HRAs that can be used to help buy a health insurance plan on your own:

  • An "Individual Coverage HRA" (ICHRA)
  • A "Qualified Small Employer HRA" (QSEHRA)

(One of these terms will appear on the notice from your employer.)

Skip this tool if...

Your employer has only offered you one or more of the following:

  • An HRA other than an Individual Coverage HRA or a Qualified Small Employer HRA
  • A health savings account (HSA)
  • A health flexible spending arrangement (FSA)
  • Traditional employer-sponsored health insurance
  • Other types of health benefits
  • No health benefits

This is the heading

t is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English. Many desktop publishing packages and web page editors now use Lorem Ipsum as their default model text, and a search for 'lorem ipsum' will uncover many web sites still in their infancy. Various versions have evolved over the years, sometimes by accident, sometimes on purpose (injected humour and the like).


t is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English. Many desktop publishing packages and web page editors now use Lorem Ipsum as their default model text, and a search for 'lorem ipsum' will uncover many web sites still in their infancy. Various versions have evolved over the years, sometimes by accident, sometimes on purpose (injected humour and the like).



t is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English. Many desktop publishing packages and web page editors now use Lorem Ipsum as their default model text, and a search for 'lorem ipsum' will uncover many web sites still in their infancy. Various versions have evolved over the years, sometimes by accident, sometimes on purpose (injected humour and the like).

t is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English. Many desktop publishing packages and web page editors now use Lorem Ipsum as their default model text, and a search for 'lorem ipsum' will uncover many web sites still in their infancy. Various versions have evolved over the years, sometimes by accident, sometimes on purpose (injected humour and the like).

Plans Table

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CTA 1CTA 2
Plans Table
Plan Tier
Monthly Payment
BronzeBronze
Tranquilo
SilverSilver
Low
GoldGold
Low
PlatinumPlatinum
Low

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Next image after that

Find an Enroller

Find an Enroller

  • One at a time
  • two at a time

My Article Cards

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My Featured Content

My Featured Content


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My Steps

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  • Step 1


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    this is a link

  • Step 2


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My Financial Savings Card

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  • Person Name Member name

    23423423
    fasdf
    Makes $23/year
    Premium$45
    Financial Help-$66
    Monthly payment$77

  • Plan Tag

    Plan Tag
    Plan Tag
    Makes $Plan Tag/year
    Premium$Plan Tag
    Financial Help-$Plan Tag
    Monthly payment$Plan Tag
  • Silver Plan

    Date of Birth

    Date of Birth
    Date of Birth
    Makes $Date of Birth/year
    Premium$Date of Birth
    Financial Help-$Date of Birth
    Monthly payment$Date of Birth

  • dsfa

    adsfd
    adsf
    Makes $dsafads/year
    Premium$adsfas
    Financial Help-$dasfasd
    Monthly payment$asdfasd
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My Talk me through

My Tabs

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Ver la lista completa de servicios cubiertos

Ver la lista completa de servicios cubiertos

Ver la lista completa de servicios cubiertos

Ver la lista completa de servicios cubiertos

My Accordion

Title

Body Optional supporting paragraph below the title.

  • This is an Alt text

    Article 1

    1 min read
  • Alt
    Health and Wellness

    article 2

    1 min read

My Card rows page

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  • Card 1

    Description

  • Card 2

    Description

Card Content

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  • Card 1

    Subheader

    Best if label

    Best if subcopy

  • Card 2

    Subheader

My Tier Selector

Subtitle Optional supporting text shown below the title

In a typical year, how much do you expect to use your health coverage?

Think about doctor visits, prescriptions, and medical tests you might need this year.

Once or twice

A few times

Monthly or more

What is most important when it comes to costs?

You pay for healthcare in two ways: a monthly premium and out-of-pocket costs when you get care.

Paying less each month

Somewhere in between

Paying less when I get care

Based on what you selected, you may want to explore: Bronze Coverage

Based on what you selected, you may want to explore:

Bronze Coverage

Monthly Premium

What you pay each month for your plan

LOW

Deductibles

What you pay before your plan starts paying

LOW

Cost of Care

Your share of the cost when you get care

~10%

*Not all plans required that you meet your deductible before coverage began

Bronze plans usually have the lowest monthly premiums, but you’ll pay more when you get care. They’re a fit if you expect to use coverage only a little and want to keep monthly costs down. Preventive care is always free and covered from day one.

Explore BronzeShop & Compare Plans

This tool is for people who have been offered a Health Reimbursement Arrangement (HRA) by an employer to help pay for health insurance. If you are offered certain types of HRAs, you may not qualify for a tax credit to help purchase a Covered California plan. This tool will help you determine how the HRA you're offered affects your eligibility for a tax credit and what to do next.

There are several types of HRAs, and only some of them require you to use this tool. If your HRA requires use of this tool, you should have received a clear written notice from your employer explaining the terms of the HRA. You will need that notice, along with information to help estimate your household income, when you are ready to use this tool.

Use this tool if...

You have been offered one of the following HRAs that can be used to help buy a health insurance plan on your own:

  • An "Individual Coverage HRA" (ICHRA)
  • A "Qualified Small Employer HRA" (QSEHRA)

(One of these terms will appear on the notice from your employer.)

Skip this tool if...

Your employer has only offered you one or more of the following:

  • An HRA other than an Individual Coverage HRA or a Qualified Small Employer HRA
  • A health savings account (HSA)
  • A health flexible spending arrangement (FSA)
  • Traditional employer-sponsored health insurance
  • Other types of health benefits
  • No health benefits

Not sure where to start?

What's your situation?

My Tabs

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Header

Header


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