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Due to the circumstances associated with COVID-19, Covered CA is expanding its Special Enrollment Period until June 30.
Effective immediately, any eligible consumer can enroll in health coverage without experiencing a qualifying life event or other special circumstance.
Covered California is a private health insurance exchange that was established through Affordable Care Act legislation for individuals and families not eligible for Medi-Cal. This program allows California residents to purchase quality health insurance plans to fit individual and family needs. The cost of each insurance plan is based on certain factors, including family size and income. Find out if Covered CA is right for you and your family by requesting enrollment assistance.
Family Health Centers of San Diego is the #1 enrollment entity for Covered California in San Diego County.
For more information, or to enroll, please call (619) 515-2363.
Covered California Benefits Include:
- Emergency care
- Hospitalization, such as surgery
- Maternity and prenatal care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Rehabilitative services
- Laboratory services
- Preventive and wellness services
- Pediatric services, including dental and vision care
Learn More About:
Coronavirus (COVID-19) Special Enrollment Period+
The special enrollment period now underway in response to the Coronavirus (COVID-19) pandemic means consumers have until June 30 to sign up—just as they would if open enrollment were underway. The state laws regarding the penalty and individual mandate remain in force, but for anyone who signs up because they recently lost their coverage, they WOULD NOT BE SUBJECT TO A PENALTY.
The rules related to the mandate to have coverage are:
- A person must have health insurance coverage 9 of the 12 months of the year consecutively to avoid a tax penalty.
- Partial-month coverage counts as full-month coverage.
- If a person had a three-month-or-less period without coverage, they can claim the short-coverage gap exemption on their 2020 state tax return. This exemption is available regardless of when or why they enrolled.
- The tax penalty will be assessed when a person files their 2020 state tax return next year, unless the person qualifies to claim another exemption on their state tax return or applies for and receives an exemption through Covered California.
Qualifying Life Events for Special Enrollment+
People who experience a qualifying life event can newly enroll in a health plan through Covered California even outside the open enrollment period. Currently enrolled members who experience a qualifying life event can change their coverage or choose a new plan.
Qualifying life events include:
- Lost or will soon lose your health insurance
- Permanently moved to/within California
- Had a baby or adopted a child
- Got married or entered into a domestic partnership
- Returned from active duty military service
- Released from jail or prison
- Gained citizenship/lawful presence
- Federally Recognized American Indian/Alaska Native
Read more about special enrollment and qualifying life events.
Deadlines to Enroll After a Qualifying Life Event+
In most cases, consumers must report changes and select a plan within 60 days of the qualifying life event to purchase a Covered California health insurance plan, or change an existing plan, outside of open enrollment.
If 60 days pass and you do not sign up for health coverage, you will have to wait until the next open enrollment period.
Medi-Cal is available all year, and no qualifying life event or special enrollment period is required to enroll in Medi-Cal.
Documentation Needed to Enroll+
- State-issued photo identification
- Resident alien card (if applicable)
- Proof of residency, such as a lease agreement or utility bill
- Latest 1040 IRS tax document
- Proof of current income