Question 1

What is a Special Enrollment Period (SEP)?

Accepted Answer

A Special Enrollment Period is a limited window of time that allows eligible individuals to enroll in health insurance outside of the normal Open Enrollment period due to certain qualifying circumstances - in this case, state-declared emergencies caused by natural or human-caused disasters in California.

Question 2

What can I do if I don't live in any of the listed counties?

Accepted Answer

If you don’t live in a county covered by the disaster-related Special Enrollment Period, you may still qualify for health insurance through other Special Enrollment opportunities. Common qualifying life events include losing other health coverage, moving, getting married, having a baby, or changes in household income.

If you don’t qualify for a Special Enrollment Period, the next Covered California Open Enrollment will typically begin in November for coverage starting the following year.

If you’re unsure whether you qualify, we’re happy to help you check your eligibility - at no cost.

Question 3

Can I get financial assistance through Covered California?

Accepted Answer

Yes. Many Californians qualify for premium tax credits and cost-sharing reductions, which can significantly lower monthly premiums and how much you pay for deductibles, copays, and out of pocket maximums.

Example Monthly Premium Cost with Financial Assistance

San Diego County household of 2

Income: $55,000/year
Silver plan full price: ~$950/month

Estimated financial assistance: ~$700/month

Estimated net premium: ~$250/month
Actual savings vary based on age, location, income, and household size.

Question 4

Didn’t financial assistance for health insurance end? How can I still qualify for savings?

Accepted Answer

While some temporary pandemic-era enhancements to financial assistance expired, financial aid did not disappear and many Californians still qualify for significant savings.

Question 5

Does it cost anything to work with an insurance agent?

Accepted Answer

No - our help is completely free. Covered California insurance agents are licensed and compensated by the insurance carriers, so you receive expert guidance at no additional cost.

Question 6

How quickly does coverage begin?

Accepted Answer

In most cases, coverage begins the first day of the month after you enroll, as long as your application is completed and your first payment is made on time.

Question 7

What health insurance plans are available during this SEP?

Accepted Answer

This SEP applies only to Covered California marketplace plans, which include major carriers such as Anthem Blue Cross, Blue Shield of California, Kaiser Permanente, Health Net, Molina, and others, depending on your area. Call us to see what carriers are available to you.

Last Chance to Enroll in Covered California

How Enrolling in Health Insurance Works

Special Enrollment Period Deadlines

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