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Covered California (discounted health plans)

Phone number
(800) 300-1506 · español (800) 300-0213
Category
Health
Money
Auto tags
Eligibility
For people over the Medi-Cal line (~$1,835/mo single). In 2026, discounts phase out around $5,216/mo income (single) / $10,716/mo (family of 4); California's state subsidy keeps premiums near 2025 levels up to 150% FPL. Enrollment windows apply — special enrollment after life events (Medi-Cal itself enrolls year-round).
Auto Summary
Covered California offers discounted health plans with state subsidies keeping premiums low after federal credits ended, providing assistance up to 150%–165% of the federal poverty line (about $23,475 yearly for a single person) and plans as cheap as $10/month; subsidies phase out at roughly $5,216/month (single) or $10,716/month (family of four), and those earning under $1,835/month may be directed to Medi‑Cal, while special enrollment is available for qualifying life events, with help via the online portal, phone lines, or local agents.
Value
Monthly discounts on name-brand health plans — some plans still as little as $10/mo depending on income. In 2026 help phases out by about $5,216/mo income (single) / $10,716 (family of 4).
Espanol
Covered California (planes de salud con descuento): descuentos mensuales en planes de salud de marcas reconocidas — algunos planes desde $10/mes según el ingreso. En 2026 la ayuda termina alrededor de $5,216/mes de ingreso (soltero) / $10,716 (familia de 4). Línea en español: (800) 300-0213. Ayuda local gratuita: busque 'Find Help' en coveredca.com o marque 2-1-1.
URL
https://www.coveredca.com
Verified 2026-07-02 (TechEmpower screener corpus — techempower.org/qualify; all figures re-derived from Covered California's own releases).
Covered California is the state marketplace for discounted name-brand health plans. Heads-up for 2026: the enhanced federal premium credits ended Dec 31, 2025, but a California state subsidy program (~$190M) is keeping premiums near 2025 levels for enrollees up to 150% FPL (about $23,475/yr single), with partial help to 165% FPL — and some plans are still as little as $10/month depending on plan and income.

Good to know

  • In 2026, subsidy help phases out around $5,216/mo income (single) / $10,716/mo (family of 4) — 400% of the 2025 federal poverty guidelines the marketplace uses.
  • If your income is under about $1,835/mo (single), you'll likely be routed to Medi-Cal instead — which enrolls year-round.
  • Missed open enrollment? Life events (losing coverage, moving, a new baby, marriage) open a special enrollment window.
  • Free local enrollment help: the "Find Help" storefront/agent search on coveredca.com, or dial 2-1-1.

Apply

  • Online: coveredca.com · Phone: (800) 300-1506 · español: (800) 300-0213

Sources