Frequently Asked Questions
▸ How do I calculate my Covered California subsidy?
You can run a quote that calculates your estimated premium tax credit based on your household size and income directly through CalHealth.net. For a personalized estimate,
get a free Covered California quote to see plans and subsidy amounts side by side.
▸ Are enhanced Covered California subsidies still available in 2026?
The expanded COVID-era subsidies that were in place from 2021 through 2025 expired December 31, 2025 and were not extended. The subsidy structure for 2026 has reverted to pre-2021 rules, so your eligible tax credit may differ from recent years - check a current quote for accurate figures.
▸ Does using a licensed agent cost more than enrolling directly in Covered California?
No. Working with a licensed CalHealth.net agent costs nothing extra - you pay the same premium as going directly to the carrier or Covered California. Agent assistance is completely free to the consumer.
▸ What information do I need to estimate my Covered California tax credit?
You'll generally need your household size, estimated annual income, and ZIP code to run a subsidy estimate. Because eligibility thresholds and credit amounts change each plan year, it's best to use a current quote tool or speak with a licensed agent for accurate figures.
▸ Can I compare plans from multiple carriers when I get a Covered California quote?
Yes. A Covered California quote typically displays plans from the major participating carriers in your area side by side, including Bronze, Silver, Gold, and Platinum metal tiers, so you can compare premiums, deductibles, and estimated out-of-pocket costs. See
California carrier comparison for a broader overview of carrier options.
The answers above are general information about California health insurance and may change as rates, plans, and rules are updated each year. They are not a substitute for personalized advice. For current, personalized guidance, please
contact us, email
help@calhealth.net, or call
800-320-6269. Serving California since 1994.