Health Insurance in California

Health Insurance in California

Apollo Insurance Group is dedicated to delivering peace of mind through health insurance that is tailored to our clients’ needs. Rest easy knowing your medical challenges are simplified by our industry experts and knowledgeable advisors. Read on to learn more about health care in California. 

Quick Facts about California Health Insurance

      • California operates its own state-run marketplace, Covered California. 
      • Open Enrollment for On-Exchange plans will be from November 1, 2022 – January 31, 2023. 
      • Off-Exchange plans can be purchased at any time. 
      • Apollo Insurance Group can help broker plans from 6 different carriers.

      How Health Insurance in California Works

      Affordable Care Act (ACA) / Obamacare health insurance in California uses a state-run exchange as its Marketplace. Californians looking for ACA health insurance can use Covered California to shop for plans and enroll. On-Exchange plans are eligible for subsidies and cannot deny coverage due to preexisting conditions. 

      Off-Exchange plans include any plans that are not sold in the ACA marketplace. They are not eligible for subsidies and can deny coverage because of preexisting conditions. Due to these reasons, they tend to have lower premiums than Obamacare plans. With some exceptions, they can be purchased at any time of the year. 

      When to Sign Up for California Health Insurance

      Timing to sign up for health insurance in California depends on the type of insurance that a person is signing up for. If they are signing up for an ACA plan, then they have to sign up during the Open Enrollment period. Open Enrollment is the time of the year that people can freely change their health insurance plans without any qualifiers. For 2023, OE will run from November 1, 2022 – January 31, 2023. 

      Outside of Open Enrollment, a person cannot change their ACA insurance plan without a Qualifying Life Event. Qualifying Life Events are a set of life changing circumstances that are considered drastic enough to allow a change in insurance. Click here for a full list of qualifying life events. 

      Off-Exchange plans can be purchased at any time. There are, of course, some exceptions. However, most Off-Exchange plans have year-round enrollment. 

      How to Sign Up for Health Insurance in California

      To start enrolling in a health insurance plan for California, simply fill out our quote form. We will help you start the process and find the right plan for you.

      Alternatively, call us at 346-971-4814 to get help now.

      We have extensive experience helping Californians find health insurance, so call us today! 

      Individual Health Insurance

      Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the best plan for your budget and needs.

      That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.

      Learn More

      Group Health Insurance
      Do you want to provide an affordable insurance option for your employees?

      Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

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      Life Insurance
      Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

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      Dental Insurance

      A good smile can be worth a million dollars.

      Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

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      Vision Insurance

      Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

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      Apollo Insurance Broker

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