Covered California™

If you experience a qualifying life event, you can enroll in a Covered California health insurance plan outside of the normal open-enrollment period. Most special-enrollment periods last 60 days from the date of the qualifying life event.

These events include:

• Household income decreased to less than 150 percent of the federal poverty level **
• Pandemic (e.g., COVID-19) or national public health emergency
• Paid the penalty for not having health insurance
• Lost or will soon lose your health insurance
• Affected by wildfires or other publicly declared state of emergency
• Newly qualified for health insurance stipend
• Got married or entered into domestic partnership
• Had a baby, adopted a child, or began fostering a child
• Permanently moved to or within California
• Gained citizenship/lawful presence
• Returned from active-duty military service
• Domestic abuse or spousal abandonment
• Federally recognized American Indian/Alaska Native
• Released from jail or prison
• Other qualifying life event

For most qualifying life events, your coverage will start on the first day of the following month after you select a plan.

**For 2025, your expected income is less than $23,475 as a single person, less than $31,725 for a household of two people, less than $39,975 for a household of three people, or less than $48,225 for a household of four people. (For other household sizes, see the Federal Poverty Level Chart under the 150 percent column.)

For more information to see how Covered California can help, visit the following page: Covered California™ | The Official Site of California’s Health Insurance Marketplace. The website has a shop-and-compare calculator that helps individuals and families determine potential insurance costs or Medi-Cal eligibility based on family size and income.