Covered California health plans in Long Beach
Health coverage for families, the self-employed and anyone between jobs. We’ll compare plans, check your doctors and help you get the financial help you qualify for.
[Covered California certified agent status: to confirm with the client]
Open enrollment
Nov 1 to Jan 31
Want coverage from January 1?
Enroll by December 31.
Plan levels
Bronze, Silver, Gold or Platinum?
Every metal level covers the same essential benefits. The difference is how you split costs: a lower monthly premium means you pay more when you get care.
Bronze
Plan pays about 60%
Lowest premium, highest costs when you use care. Good if you’re healthy and want protection from big bills.
Silver
Plan pays about 70%
The middle option. If your income qualifies, Silver plans can come with extra savings on deductibles and copays.
Gold
Plan pays about 80%
Higher premium, lower costs at the doctor. Good if you see doctors often or take regular prescriptions.
Platinum
Plan pays about 90%
Highest premium, lowest out-of-pocket costs. Good if you expect a lot of care this year.
California’s rule
Going without coverage has a penalty
California requires residents to have health coverage. If you go without and don’t qualify for an exemption, you pay a penalty on your state tax return. For 2025 it’s the higher of:
You may be exempt if the cheapest coverage available to you costs more than 7.28% of household income (2025), among other exemptions.
Source: California Franchise Tax Board, health care mandate.
$950
per adult
$475
per child
2.5%
of income above the filing threshold
Medi-Cal or Covered California?
Medi-Cal
California’s free or low-cost coverage for people with lower incomes. You can apply any time of year. If your income qualifies, Covered California sends your application to Medi-Cal.
Covered California
Private plans from major carriers, with financial help based on income that lowers your monthly premium. You enroll during open enrollment, or within a set window after a life event.
Enroll outside open enrollment
A qualifying life event opens a special enrollment period, usually 60 days. [confirm on Covered California’s special enrollment page]
- Losing job-based coverage
- Getting married
- Having or adopting a baby
- Moving to a new area
Check your network first
Plans in Long Beach and across LA, Orange and Riverside counties use different doctor and hospital networks. Before you pick a plan, we check that your doctors, your preferred hospital and your prescriptions are covered.
Check my doctorsHealth insurance FAQ
When is open enrollment for Covered California?+
November 1 to January 31. Enroll by December 31 for coverage that starts January 1.
What is the penalty for not having health insurance in California?+
For 2025, the higher of $950 per adult and $475 per child, or 2.5% of household income above the state filing threshold, unless you qualify for an exemption.
Does it cost more to use an agent?+
[Agent compensation wording: to be confirmed with the client at review]
Can you help me in Spanish?+
Yes. Cristal Diaz on our team speaks Spanish and English.
Find the right plan before the deadline
We’ll compare plans and check your doctors, in Long Beach or by video.
[Licensing and disclosure wording: to be added at client review]