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California Medicare Options - Can I move back to medigap plans?

california short term Quote


For mobile quoting, click HERE Health sharing is NOT health insurance.
Why the Religious Language? California banned short term health plans. The only option we have that can start mid-month (as early as midnight following enrollment) is a health sharing plan. These were created as an exemption to the ACA (Affordable Care Act) on a religious basis. This is the only way they're able to exist outside of ACA plans. OneShare is the most flexible in terms of requirements.





Frequently Asked Questions
▸ Are short term health plans available in California?
No - California has banned short term health insurance plans. If you need coverage that can start quickly outside of Open Enrollment, a health sharing plan may be an option, though it is important to understand that health sharing is NOT health insurance and does not provide the same protections.
▸ What is a health sharing plan and how is it different from insurance?
A health sharing plan is a cost-sharing arrangement among members, not a licensed insurance product. It was created as an ACA exemption and does not carry the same legal coverage guarantees as regulated health insurance - so it's important to review the terms carefully before enrolling.
▸ Can I get coverage that starts immediately in California?
Because short term plans are banned in California, a health sharing plan is generally the only option that can begin as early as midnight following enrollment. For standard Covered California coverage, you may need to wait for a qualifying life event or Open Enrollment; get an individual/family quote to explore your options.
▸ Does CalHealth.net charge a fee to help me find a health plan?
No - help from a CalHealth.net licensed agent is at no cost to you, and you pay the same premium as going directly to the carrier. The agency has served Californians statewide since 1994.
▸ What are my alternatives if I need health coverage outside of Open Enrollment in California?
If you have a qualifying life event (such as losing job-based coverage or moving), you may qualify for a Special Enrollment Period through Covered California or Medi-Cal. If you don't qualify, a health sharing plan is typically the main alternative, though it comes with important limitations compared to regulated insurance.
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.