California is one of the few states that run its own Health Insurance Marketplace. When looking to get subsidized health coverage, you will need to use Covered California, not healthcare.gov. This is because some states want to run their own Marketplace so that it is more efficient.
However, this doesn’t mean that the coverage you get on Covered California is going to be better than someone who’s living in Texas and enrolling in health coverage on healthcare.gov. It all comes down to the state decision. For example, another state that runs its own Marketplace is Maryland but it is a very small state compared to California or Texas.
California residents who want to get subsidized health coverage need to qualify for insurance through the Marketplace. What determines one’s eligibility for health insurance is income and the size of the household for the most part. Before you even create an account, you can enter your income and provide information about your household and see whether or not you can get subsidized health coverage.
Get Coverage on Covered California
You can only get coverage during the open enrollment period. For 2021 coverage, open enrollment starts on November 1st and ends on December 15th. If you miss the deadline, you must qualify for Medicaid or CHIP to get coverage at any time or for the Special Enrollment Period.
Between the open enrollment dates, you can get coverage on Covered California. Click here to go to California’s health insurance marketplace.
Once you’re there, you can get the coverage you need. Just like browsing private health insurance, you will be able to view, compare, and purchase plans on Covered California. When getting coverage on the California health insurance marketplace, expect to pay less than fully private health insurance.