How to Apply for Obamacare in California

If you want to know how to enroll in Affordable Care Act insurance coverage, the following information will help you. Find out when and where to apply for the Affordable Care Act to select a health insurance plan. Learn what is needed to sign up for Obamacare in California and the steps in the application process. Avoid the penalty for not having coverage by signing up for affordable health insurance.

For comprehensive information about the Affordable Care Act and health insurance options for California residents, download our state guide.

When California Residents Can Enroll in Affordable Care Act Insurance

When looking into how to apply for Obamacare insurance, you will discover that you need to apply during the open enrollment period. You can enroll in ACA coverage starting in November before the coverage year. If you do not sign up for Obamacare by the deadline, you will have to wait for the next open enrollment unless you qualify for a Special Enrollment Period. Special enrollment allows you to buy health coverage or make changes to your existing plan before the next enrollment period.

If you are wondering how to apply for Obamacare insurance through special enrollment, you will need to experience a “qualifying life event.” Qualifying events include loss of health coverage, changes in the household or residence and other qualifying factors like citizenship status. Special enrollment enables you to enroll in the Affordable Care Act within 60 days of your qualifying life event. If you purchase a plan during a Special Enrollment Period, you may still need to re-enroll again during the next open enrollment, even if you are keeping the same plan.

To learn more about qualifying life events and when to get Obamacare, click here our comprehensive guide.

What do I need to apply for Affordable Care Act in California?

Before you enroll in Affordable Care Act coverage, you will need to gather some important information that will help you complete your application accurately. When applying for the ACA, you will provide information about yourself as well as other household members. Knowing what is needed to sign up for Obamacare, such as data and documents, will make the application easier and less time consuming. You should prepare to take around 90 minutes to complete your application.

The information you furnish will help officials determine if you are eligible for ACA coverage or another health insurance option such as Medi-Cal. When you apply for Obamacare insurance, you will need to provide information about each person living in your household, even those who are not applying for coverage. You must include the personal information of everyone in your household who is applying for coverage, including their Social Security Numbers, names and date of births. If you have someone helping you complete your application, such as an agent or insurance broker, you must also include his or her information.

Documents needed to sign up for Obamacare includes paperwork pertaining to the household’s earnings. Since the collective income of family members dwelling in the same abode is considered, you will need income, tax and employer information. Other documentation needed to enrolled in ACA insurance plans can include current prescriptions and medical diagnoses, which will assist in selectin the best plan for your needs.

How to Apply for Obamacare Insurance in California

California residents can sign up for Affordable Care Act insurance in four ways to suit the preferences of the applicant. If you are asking yourself, “Can I apply online for ACA insurance?” you may be pleased to discover the answer is yes. To enroll online for ACA insurance, you need to create an account and fill in the digital application. The online application is the simplest and fastest method of applying for affordable insurance coverage.

You can also print the application to fill out and mail, though this can take the longest time to hear back. If you visit your local county human services agency, there will be an agent who is specially trained to help you enroll in Affordable Care Act, or you can work with an insurance broker or agent. You can also call a customer service agent who will take your information and help you with your application over the phone.

Choosing California Obamacare Insurance Options

When you are enrolling in the Affordable Care Act, be careful to pick a plan that is right for you and your family. When you apply online for ACA insurance, Covered California will let you know the cost of health plans and the amount of up-front subsidy that may be available to you. Part of signing up for Obamacare is choosing from four levels of coverage: bronze, silver, gold and platinum. You will also need to select between types of plans like:

  • Health maintenance organization (HMO)
  • Preferred provider organization (PPO)
  • Point of service plan (POS)
  • Exclusive provider organization (EPO)

Some plans have higher premiums than others do and subsidy amounts may vary based on the level of coverage you choose. Before applying online for ACA insurance, discover in-depth information about health insurance plans offered though Obamacare in our California guided available here.


What Are the Available Health Services in California?

Low-cost, and even free health benefits are available to a large number of California residents, with some being offered to low-income applicants and others being offered to elderly or disabled individuals. However, before you can access these health services, you need to submit the appropriate application and prove that you meet the necessary qualifications. To learn all about the different health benefits you can receive in California and the application procedures that you must undergo to obtain these benefits, download our free comprehensive guide.


Who Is Eligible to Obtain California Health Benefits?

California’s health programs have various eligibility requirements that applicants must meet in order to successfully enroll. Income, age and other factors are all taken into consideration in the eligibility verification process. Find out which health benefits you qualify for here.