Health Insurance in California
Tatiana Gerberg, CSFP — independent insurance broker in California. CA license #0D83407. Phone 619-925-8000.
Individual & family plans, Covered California, dental, vision and supplemental coverage.
2027 plans and costs
The metal level changes how you pay. Bronze usually has a lower monthly price and higher costs when you use care. Platinum is the opposite. Silver plans can give extra savings on deductibles and copays if your income qualifies. The right plan depends on your doctors, medicines and budget.
Enrollment and renewal
Open enrollment runs November 1 to January 31. Choose a plan by December 31 for coverage starting January 1. Choose a plan in January for coverage starting February 1. After January 31 you can enroll only if you have a qualifying life event, such as losing other coverage.
2027 enrollment dates and changesHealth coverage questions
What happens if I do nothing during open enrollment?
If you do nothing, Covered California usually renews your plan for 2027. Your price can change, and your financial help is based on the income in your file. If your income or family changed, update it before the deadline.
Read this answer →How is my subsidy calculated? What if my income changes?
Your help with the monthly price is based on your expected household income for the year and your family size. The federal government pays part. In 2027 California also adds its own help for many households. If your income changes during the year, update Covered California. Wrong income can mean you owe money at tax time.
Read this answer →I lost my job or changed jobs. Can I enroll outside open enrollment?
Often yes. Losing other health coverage is a qualifying life event. You usually have a limited time to enroll, so act fast. Other events can also qualify, such as moving or changes in your family. Tell me what happened and the date, and I will tell you the next step.
Read this answer →I am self-employed or have an LLC. Can I buy health insurance on Covered California?
Yes. Self-employed people and owners of small businesses can buy an individual plan on Covered California during open enrollment. Your help with the price depends on your household income and family size. It is not decided by having an LLC.
Read this answer →
Medical Help 2027 — Russian guide
Medi-Cal, Covered California, clinics and help with hospital bills.
Open the free guideGerberg Financial & Insurance Agency, LLC is a licensed insurance agency in California. We are not Covered California or Medi-Cal staff. Rates and rules can change. Not legal or tax advice.