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Covered California

Need help choosing a health insurance plan? We’ve Got You Covered!

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Covered California

Special Enrollment Period. Happening Now!

Covered California is currently in the Special Enrollment Period. This means that if you experience a “qualifying life event” or QLE during this time, you have 60 days to apply for and enroll in health insurance with Covered California. Examples of QLEs include:

  • Significant loss of income
  • Loss of health insurance (involuntary)
  • Moved to, or within California
  • Experienced a change in your household size (e.g., a new baby)
  • Got married, or entered a domestic partnership
  • Turned 26
  • Experienced domestic abuse or spousal abandonment
  • Returned from active military service
  • Gained citizenship or lawful presence
  • Experienced a natural or human-caused disaster
  • Were released from jail or prison

Certified Enrollment Entity (CEE)

Hively is partnering with Covered California through the Navigator Grant Program to provide free application and enrollment assistance for individuals & families seeking health care coverage. As a Certified Enrollment Entity (CEE), Hively is here to provide consumers with information on their health plan options, determine consumers’ eligibility for premium assistance, and assist with enrollment in a health plan that best fits the consumer’s medical needs & budget.

Certified Enrollment Counselors (CEC)

Our Certified Enrollment Counselors (CEC) are trained individuals who are here to assist consumers with in-person and over the phone application assistance. All of our counselors have completed over 8 hours of training through Covered California, and have passed a background check so you know they can be trusted with your personal information. Our Certified Enrollment Counselors are not insurance agents and do not receive financial compensation from any insurance company for enrollments. Our counselors are here to provide you with all of the health coverage information you need to make the right decision for yourself and your family.

As a reminder, Medi-Cal eligible individuals may enroll in health insurance at any point during the year.

Schedule appointment

with one of our Certified Enrollment Counselors

Make an Appointment

Have questions? Interested in applying?

Call us

925-417-8733 x 100

Email us

coveredca@behively.org

What to Expect

To get a better understanding of your needs and possible eligibility, you will be asked to provide personal information on the members of your household, including date of birth, social security number, pregnancy status, etc. You will also be asked to provide your tax filing status and income information so we can help calculate how much assistance you qualify for. Hively assists with uploading this information to the Covered California portal, but does not retain any of it for our own records for confidentiality reasons.

Please note that applying for Covered California & checking your eligibility for assistance does not mean that you have to enroll in coverage that same day. Just want to know what your options are? Please feel free to reach out for assistance.

What you will need to apply or bring to your appointment:

  • Photo ID
  • Proof of Social Security Number (SSN)
  • Proof of citizenship, immigration status, or lawful presence (if applicable)
  • Proof of income (Paystubs, W2, 1099, tax return, etc.)
  • Proof of American Indian or Alaskan Native status (if applicable)

For a full list of documents you can use to verify your eligibility, please click here.

Frequently Asked Questions

What is Covered California?

Covered California is the state’s health insurance marketplace where consumers can find affordable health insurance plans from various companies across the state. It is the only place where individuals and families who qualify can get sliding scale financial assistance for their monthly premiums.

Am I eligible for Covered California?

Anyone who is a U.S. citizen, U.S. national, or lawfully present immigrant can apply for health care coverage through Covered California, although not everyone will be eligible for premium assistance. You will be asked to provide income, tax, and household information when applying to determine your eligibility for assistance. Based on that information, you could qualify for free or low-cost coverage through Medi-Cal or for premium assistance from the federal government which can be applied toward various health insurance plans.

Can you help me apply for Medi-Cal?

While we cannot apply to Medi-Cal directly, we can check your eligibility for the program to help speed up the process. Our certified enrollment counselors can help enter all of your household, income, and tax information and forward it onto the county for processing if you are deemed Medi-Cal eligible.

What is open enrollment?

Open enrollment runs from November 1st to January 31st each year and is the period of time where all consumers can apply for insurance, change their health plan, or renew their current health insurance plan for the following year. For some, open enrollment may be their only window to apply for insurance & potentially be eligible for tax credits and cost sharing reductions (which lower the cost of your insurance).

What are special enrollment periods?

Special enrollment periods are times during the year when a consumer may be eligible to apply for insurance outside of open enrollment. These special enrollment periods only occur when a consumer has one of the following qualifying life events (QLEs): got married, gave birth to or adopted a child, gained citizenship or lawful presence, or lost your health insurance for whatever reason (ie, no longer Medi-Cal eligible, lost a job, etc.)

I am a DACA recipient. Am I eligible for premium assistance?

No, DACA recipients are not eligible. Due to a federal policy change, DACA recipients are no longer eligible for Covered California as of September 30, 2025.

What happens if I choose not to have health insurance?

In California, you can be penalized for not having health insurance, even if it is only for part of the year. You could face additional fees during tax season if you are unable to show proof that you maintained health insurance throughout the year. Let us help you find an affordable plan so you can avoid paying these additional fees!