Access coverage that balances benefits, costs, and provider choice.
Health insurance helps you access care while controlling out‑of‑pocket costs.
We guide individuals, families, and small groups through plan types, networks, and subsidies to find practical coverage at a sensible price.
Support includes on‑ and off‑marketplace options in California, with clear explanations of benefits, deductibles, and provider access.
California operates its own health insurance marketplace, Covered California, which offers subsidies and tax credits to eligible individuals and families. We help you understand your options both on and off the marketplace, ensuring you get the best coverage at the most affordable price.
Choose the plan that best fits your healthcare needs
Lower cost plans with a primary care physician who coordinates your care and provides referrals to specialists within the network.
More flexibility to see any doctor or specialist without referrals, with lower costs when using in-network providers.
Combines features of HMO and PPO plans, offering no referrals needed but requiring you to stay within the network for coverage.
Lower premium plans with higher deductibles, often paired with Health Savings Accounts (HSAs) for tax-advantaged savings.
Understanding metal tiers and what they mean for your costs
60% coverage
Lowest monthly premiums, highest out-of-pocket costs. Good for healthy individuals who want protection against major medical expenses.
70% coverage
Moderate premiums and out-of-pocket costs. Most popular choice offering good balance of monthly costs and coverage.
80% coverage
Higher monthly premiums, lower out-of-pocket costs. Good for those who use healthcare services regularly.
90% coverage
Highest monthly premiums, lowest out-of-pocket costs. Best for those with ongoing medical needs or chronic conditions.
All health insurance plans must cover these essential services
Outpatient care you get without being admitted to a hospital
Emergency room visits and emergency medical transportation
Inpatient care when you need to stay in the hospital
Pregnancy, childbirth, and newborn care services
Mental health and substance abuse disorder services
Coverage for prescription medications
Physical therapy, occupational therapy, and other rehabilitation
Lab tests and diagnostic services
Wellness visits, immunizations, and preventive screenings
You may qualify for subsidies to help lower your health insurance costs
Available for individuals and families with household incomes between 100% and 400% of the Federal Poverty Level. These credits lower your monthly premium costs.
Available for Silver plans when household income is between 100% and 250% of the Federal Poverty Level. These reduce your out-of-pocket costs.
Don't wait for a health emergency. Get comprehensive health insurance coverage and protect your health and finances.