Covered California Health Insurance Plans

Welcome to Covered California

Covered California Health Insurance Plan

Covered California offers a range of health insurance plan options to cater to the diverse needs and preferences of individuals and families. These options vary in terms of coverage levels, provider networks, and costs. Remember that no matter which metal level you choose, under Covered California, all plans have the same maximum out-of-pocket limits. These limits protect you financially, especially if you need a lot of medical care.

We are an official Covered California storefront and certified agency. Individuals and families may qualify for a premium discount.

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Covered California, the state’s health insurance marketplace, offers health plans categorized into different “metallic tiers” based on their actuarial value. These metallic tiers include Bronze, Silver, Gold, and Platinum plans. Each tier represents the average percentage of healthcare costs that a plan will cover for its enrollees.

Bronze Plans

Bronze plans typically have the cheapest monthly insurance premiums. However, Bronze plans also tend to have the highest out-of-pocket costs and deductibles when using health insurance. They pay for 60% of your health care costs. You would be responsible for the remaining 40%, in addition to your monthly premium.

Silver Plans

Silver plans tend to have affordable monthly insurance premiums. However, their out-of-pocket costs are still more expensive than a Gold or Platinum plan. Specifically, 70% of your medical expenses are paid for by a Silver plan, meaning that you will have to pay for the remaining 30% of these costs.

Gold Plans

Gold plans typically have higher monthly insurance premiums than Bronze and Silver plans, however, they do have lower out-of-pocket costs when using medical services. The plan pays for 80% of your medical expenses, while you would be responsible for the remaining 20%, along with your premium

Platinum Plans

Platinum plans tend to have the highest monthly insurance premiums of all metal plans. However, they also have the lowest out-of-pocket costs when you need medical care. Platinum plans pay for 90% of your medical expenses, meaning you are responsible for the remaining 10%.

Health Maintenance Organization (HMO)

Requires a primary care physician (PCP) and referrals to see specialists.

Preferred Provider Organization (PPO)

Offers flexibility in choosing healthcare providers without referrals but may have higher out-of-pocket costs.

Exclusive Provider Organization (EPO)

Similar to a PPO but does not cover out-of-network care except in emergencies.

Health Savings Account (HSA) Compatible Plans

Paired with a high-deductible health plan and a tax-advantaged savings account for medical expenses.

Assess Your Healthcare Needs

Start by evaluating your healthcare needs and those of your household. Consider factors such as frequency of doctor visits and medications, ongoing medical conditions or treatments, and Preferred doctors, specialists, and hospitals.

Compare Plan Features

Review the details of each plan offered through Covered California, including Monthly premiums, Deductible, Copayments and coinsurance, Maximum out-of-pocket costs: Provider network, and Prescription drug coverage.

Understand Plan Types

Covered California offers different types of health insurance plans, including HMO, PPO, Health Savings Account (HSA) Compatible Plans.

Seek Assistance if Needed

:If you're unsure about which plan to choose or need assistance navigating the options, consider consulting with Skyline Benefit for a free one-one consltantion to provide personalized guidance based on your circumstances.