Open Enrollment in California: What Individuals and Families Need to Know

Health insurance is one of the most important protections you can have — but figuring out when and how to sign up can feel confusing. In California, most people buy health coverage during Open Enrollment, either directly through carriers or through the state marketplace, Covered California.

Here’s what you need to know if you’re shopping for individual or family health insurance this year.

What Is Open Enrollment?

Open Enrollment is the yearly window when you can apply for, renew, or make changes to your health insurance. Outside of this period, you can only enroll if you qualify for a Special Enrollment Period (for example, losing job-based coverage, moving, or having a baby).

📅 For 2025–2026, California’s Open Enrollment runs from November 1, 2025 through January 31, 2026.

• Apply by December 15 for coverage starting January 1.

• Applications completed after December 15 will start later (February 1 or March 1, depending on the submission date).
  

What Is Covered California?

Covered California is the state’s official health insurance marketplace. It was created to make shopping for health insurance easier and more affordable.

Through Covered California, you can:

• Compare multiple health plans side by side.

• See if you qualify for financial assistance (premium tax credits or cost-sharing reductions).

• Access plans that must include essential benefits, like preventive care, prescriptions, maternity care, and mental health coverage.
  

Why Open Enrollment Matters for Individuals and Families

• Peace of mind: Having health insurance protects your family from unexpected medical bills.

• Financial help: In 2025, over 85% of Covered California enrollees received financial assistance.

• Choice: You can pick from different carriers and levels of coverage (Bronze, Silver, Gold, Platinum) depending on your budget and needs.
  

Key Factors That Affect Your Health Insurance Premiums

1. Household Income & Size – Determines whether you qualify for state or federal subsidies.

2. Age – Premiums are higher for older adults, lower for children.

3. Zip Code – Plan availability and pricing vary by county in California.

4. Tobacco Use – California prohibits rating based on tobacco, unlike some other states.
   

Tips for a Smooth Enrollment

• Gather documents early – proof of income, immigration status (if applicable), and tax information.

• Review your options – even if you had a plan last year, premiums and subsidies may have changed.

• Don’t miss deadlines – late applications may delay your coverage start date.

• Work with a licensed agent (like me!) – I can walk you through the process, explain subsidies, and help you avoid mistakes.
  

Bottom Line

Open Enrollment is your once-a-year chance to get the health coverage your family needs. Whether you qualify for financial assistance through Covered California or need a direct carrier plan, the right coverage can give you peace of mind all year long.

👉 Get a free health insurance quote today — I’ll compare plans, explain your options, and help you secure affordable coverage for you and your family.

Kayla Bejarano – Licensed California Insurance Agent (CA License #4187865)