Free QuoteIndividual Health Insurance
Based on your age, address, and household income, a variety of health insurance options are available for you and your family.
Our certified Covered California agents at KCAL can help you find the plan with the best benefits, at the best price, helping you save a lot of money. It’s fast and simple! Fill out the form below to get a free quote customized just for you!
Looking for more information about the 2018 health insurance plan benefits and premiums? Click here to learn more.
Health Insurance FAQs
When can I buy health insurance?
Unless you qualify for special enrollment, you can only purchase health insurance during the Open Enrollment Period, which occurs only once a year.
The 2018 Open Enrollment period starts on November 1, 2017 and ends on January 31, 2018. If you would like your insurance policy to become effective on January 1, 2018, then you must apply by December 15, 2017. If you apply by January 31, 2018, then your new policy will become effective on March 1, 2018.
Do I qualify for federal subsidies?
Covered California and the IRS are connected in the sense where Covered California uses the household income and household size on the 1040 tax form to calculate health insurance premiums and check for eligible federal subsidies for the applicant.
Based on your annual household income, you may qualify for federal subsidies in the form of Medi-Cal, premium assistance, or cost-sharing reductions.
Where can I find my annual household income? What happens if it's not accurate?
In this section, we are looking for an estimated annual household income. Please refer to the section on Form 1040 or your most recent paycheck.
While filing taxes next year, the government will calculate the difference based on the actual income. If the actual income is higher than the declared income, this means that you received more subsidies than you were supposed to, which means you’ll end up receiving less tax credit. If the actual income is lower than the declared income, this means that you should be receiving more subsidies, which means you will be receiving more tax credit.
How do I calculate my household size?
Please refer to the household size on your tax form. If your parents or children are listed as your dependents, make sure to include them into your total count.
Can I enroll my child under my health insurance plan?
If your child is listed as your dependent on your tax form, then he/she can be insured under your health insurance policy. A child can stay insured under his/her parent’s policy up until age 26. If your household income is under the Federal Poverty Line by 266%, children under the age of 19 will automatically qualify for Medi-Cal.
Can I claim my parents as dependents?
If your parents are listed as dependents on your tax form, then your parents can stay insured under your policy up until age 65. Once they turn age 65, they will be required to apply for Medicare.