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California health insurance  -  Covered California Questions  -  Intro to ACA marketplace

Covered Ca agentQuick Introduction to Covered California Exchange

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 Covered California Marketplace:

  1. Coverage is guaranteed issue regardless of health
  2. Nov 15th through Feb 15th is traditional open enrollment window
  3. Plan benefits are now standardized with 4 distinct "levels of benefits"
  4. Benefits and rates are identical for in-Exchange and off-Exchange plans
  5. Subsidies based on income levels are only available in the Exchange
  6. 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.

First, run your Instant California health insurance quoteEstablish If You Are Eligible For A Subsidy, Quote/Enroll Exchange Plans

Take a look at the grid below. 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 the steps below.

Household FPL 138% 150% 200% 250% 266% 400%
1 $11,770 $16,243 $17,655 $23,540 $29,425 $31,308 $47,080
2 $15,930 $15,930 $23,895 $31,860 $39,825 $42,374 $63,720
3 $20,090 $27,724 $30,135 $40,180 $50,225 $53,439 $80,360
4 $24,250 $33,465 $36,375 $48,500 $60,625 $64,505 $97,000
5 $28,410 $39,206 $42,615 $56,820 $71,025 $75,571 $113,640
6 $32,570 $44,947 $48,855 $65,140 $81,425 $86,636 $130,280
7 $36,730 $50,687 $55,095 $73,460 $91,825 $97,702 $146,920
8 $40,890 $56,428 $61,335 $81,780 $102,225 $108,767 $163,560

Covered California's definition of "household" is everyone that files together on one 1040 tax form

If your income looks like it might be under the 400% threshold above, call us immediately at 800-320-6269.  There can be $1000's of dollars in subsidies available to you which directly reduces your monthly premium.

Plan benefits can change (Enhanced Silver Plans) according to income so it's best to walk through the options over the phone.

We have almost two decades of California health insurance experienceWhat if you are not subsidy eligible

Enrollment then depends on a few different issues.  If we are in open enrollment, you can just use the online applications here to enroll.  If you meet a Special Enrollment trigger, you can also use those online apps.  Otherwise, we generally enroll over the phone with Covered Ca (without the tax credit) to speed the process. 

The core benefits will not change for non-subsidized plans. 


There are a lot of moving pieces now with comparing health plans.  50% of the Covered Ca accounts we come across have vastly incorrect information in them resulting from this complexity.  We can help you make sure you get the most tax credit to which you are eligible.

You can run your Covered California Plan Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!


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

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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

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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.