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You can apply online at the Covered California website, over the phone, or in person with a certified insurance agent or "navigator"—services that are provided for free. 5. Finalize and Pay

These lower your out-of-pocket costs (like copays and deductibles) if you choose a "Silver" tier plan.

Lowest monthly premiums but highest costs when you receive care. Best for those who rarely see a doctor.

Beyond price, you must choose a network style. (Health Maintenance Organizations) generally require you to stay within a specific network and get referrals for specialists, while PPOs (Preferred Provider Organizations) offer more flexibility to see out-of-network doctors at a higher cost. 4. Gather Documentation and Apply To complete your application, you will need: Social Security numbers for everyone in your household. Immigration documents (if applicable). Income information (tax returns, W-2s, or pay stubs). Your zip code (plans vary by region).

Timing is the most critical factor in buying health insurance. In California, there are two primary ways to sign up:

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