Covered Ca Certified agent
Best rates GUARANTEED     Free Assistance 800-320-6269

California health insurance  -  Comparing Covered Ca Plans  -  How to Pick Covered Ca Plan

Covered Ca agentQuick Introduction to New Covered California Marketplace?

UPDATE:  Check out new Comprehensive Guide to Comparing Covered Ca Plans Here

We have written extensively on the most asked questions with great detail (GURU section) but it's best to first get a mile-high view of the new health insurance landscape before becoming overwhelmed. This introduction is that.

Let's jump in.

Bullet Points of New Marketplace:

  1. Coverage is guaranteed issue regardless of health
  2. Most existing individual/family members will had to move Jan 1st, 2014 to new plans
  3. Nov 1st through Jan 31st is open enrollment window
  4. Plan benefits are now standardized with 4 distinct "levels of benefits"
  5. Benefits and Rates are identical for in Exchange and off Exchange plans
  6. Subsidies based on income levels are only available in the Exchange
  7. There is penalty for not purchasing health insurance

Those are the broad strokes...let's hit the pertinent information of what you should do now.

Establish if you might be eligible for a subsidy, Quote/Enroll Exchange plans if Eligible

Take a look at the grid below.


Kaiser through Covered Ca for 2016


If you're expected gross income for this year will fall under 400% of the Federal Poverty Level, you want to apply for Exchange coverage by following these steps:

Run your on-Exchange quote here (select On Exchange plans)
Contact us with any questions on plan selection, eligibility at 800-320-6269 (our service is free to you)

Enrollment takes 5 minutes over the phone!

The online app is still difficult to navigate and we expect that to continue for some time.

 We're happy to help walk you through the online app as we are Certified Exchange Agents. If you feel adventurous and want to use the online CoveredCalifornia site, contact us and we'll walk you through it.

This can save a tremendous amount of time.
If you do not feel that qualify for a subsidy..
Quote and Enroll in a off-Exchange health plan if not subsidy eligible
The enrollment process in the Exchange is much more involved (akin to tax filing) since income and other eligibility requirements are required. The Exchange app is about 38 pages and the off-Exchange app is about 5.

Plan benefits and rates are identical and there may even be additional plan options off-Exchange.

For this route, follow these steps:
 Run your off-Exchange quote here (select off-Exchange plans)
Contact us with any questions on plan selection at 800-320-6269
Complete the online application available through the link by your chosen plan

Hopefully this helps provide you some direction of how to proceed. We are licensed agents focusing exclusively on California health insurance for almost 20 years and with 10's of 1000's of Californian clients.

Let us help you navigate this change.

Related Pages:  10 Invaluable Tips to Successfully Comparing Covered Ca Plans


In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!

Call 800-320-6269
Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:

Single Person: $16k - $47k
2 People $22k - $64k
3 People $27k - $80k
4 People $33k - $97k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
and more
Thousands of Californians
Hundreds of California Companies
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

Find out what customers are saying about our services

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

calhealth website

Our Services are FREE to You is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.