Covered California

Covered California

Covered California

Covered California is where Californians can get brand-name health insurance under the Patient Protection and Affordable Care Act. It’s the only place to get federal premium assistance to help you buy health insurance from some of the major health insurance companies. That means you may qualify for a discount on a health plan through Covered California.

Serra Benefits has been certified with Covered California. Call us to enroll you in-person or via phone.

We make it EASY.

Call 760-439-9700





California legislation passed AB 414. It requires ALL California residents to purchase health insurance for themselves and their dependents to maintain minimum essential covereage (MEC). California is one of several states that are actively pursuing, or have already adopted, their own state wide individual mandates.

The new individual mandate for Californians starts in 2020. The penalty for not having insurance will mirror the one under the Affordable Care Act, which was $695 per adult (and $347.50 per child under 18) or 2.5% of annual household income, whichever is greater. That can amount to thousands of dollars a year

California Gov. Gavin Newsom’s new budget has infused significant funds to make health care coverage sold through its health insurance marketplace (Covered California) more affordable and has made new subsidies available to middle-income individuals earning between 400 to 600 percent of the federal poverty level (FPL).

Advance Premium Tax Credit (APTC)

If at the end of the year you’ve taken more premium tax credit in advance than you’re due based on your final income, you’ll have to pay back the excess when you file your federal tax return. If you’ve taken less than you qualify for, you’ll get the difference back.

How does the tax credit (subsidy) work?

The IRS pays your premium tax credit directly to your health insurance plan. Your monthly premium costs are lower as a result. … The only way to get premium tax credits is to buy from Covered California. If you bought from Covered California, it will send you a tax form, called the Form 1095-‐A

Open Enrollment

Applications for Covered California health insurance plans are accepted each year during open enrollment. Although these dates may vary slightly, the general time frame is October 15 through January 15.  Enrollments done October through December 15 will have a plan effective date of January 1. Enrollments done December 16 -January 15 will have a plan effective date of February 1. Outside of  this open enrollment window you may only enroll into a health plan if you have a qualifying life event. This is called a Special Enrollment Period.

Special Enrollment

Consumers who experience a qualifying life event can enroll in a Covered California health insurance plan even outside of the open-enrollment period. This is called special enrollment. Below is a list of common qualifying life events for special enrollment that apply year-round.

  • Losing health coverage. For example: consumers who no longer qualify for Medi-Cal, or who lose health coverage through their job or spouse’s job.
  • Income changes so much that a current Covered California enrollee becomes newly eligible or ineligible for help paying for their insurance.
  • Turning 26 years old and no longer being eligible to stay on a parent’s plan.
  • Moving. For example: moving to California from another state or moving to a new region within California that allows a current consumer to gain access to new Covered California health insurance plans.
  • Having a child or adopting a child, receiving a child into foster care, or placing a child in adoption or in a foster home.
  • Getting married or entering into a domestic partnership.

Due Dates to Enroll after a Qualifying Life Event

Consumers have 60 days from the loss of coverage to enroll into a Covered California health insurance plan or  to change their existing Covered California plan. For example, if an individual loses coverage from an employer, they will have 60 days from the termination date to secure other coverage either through Covered Ca or direct with the carrier.  If 60 days pass and consumers do not sign up for health coverage, they will have to wait until the next open-enrollment period.

Contact us

If you have any questions on polices or have additional questions before get a free quote, please contact our offices today.

2821 Oceanside Blvd. Unit E
Oceanside, CA 92054

Phone: 760-439-9700
Email: or

CA License Number: 0C175088

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