Health Benefit Exchange, California

California Health Benefit Exchange (HBEX)

The purpose of state health insurance exchanges is to make health insurance more affordable and easier to purchase for small business and individuals.

General Information: 800-300-1506
Hearing Impaired: 888-889-4500
Fax: 888-329-3700
Phone Hours of Availability: Phone Hours of Availability: 8:00 a.m. to 8:00 p.m. Monday - Friday (except holidays as noted below) 8 a.m. to 6 p.m. Saturday 8 a.m. to 6 p.m. Sunday, Jan. 31. Closed all other Sundays Holidays: The Service Center is closed on state holidays, including Friday, Jan. 1 (New Year's Day). The Service Center will have reduced hours on Monday, Jan. 18 (Martin Luther King Jr. Day), and will be open from 8 a.m. to 6 p.m.

Frequently Asked Questions

The best way to get a quick estimate of the price you would pay is to use the Shop and Compare Tool. The price is based on your estimated income for the coverage year, your ZIP code, your household size and your age. If you are a low- or moderate-income Californian, you may get help buying insurance from Covered California through monthly subsidies that lower your premium costs so that you pay less for top-quality, brand-name insurance. Learn more about who qualifies for a subsidy.
No. Covered California is where Californians can get brand-name health insurance under the Patient Protection and Affordable Care Act and see if they qualify for financial subsidies from the federal government to help them pay their monthly premiums.
Open enrollment begins Nov. 1, 2015, and continues through Jan. 31, 2016. Apply by Dec. 15 for coverage to begin on Jan 1. If you apply later, your coverage will begin later, but as long as you meet the Jan. 31 enrollment deadline, you will avoid owing a tax penalty for being uninsured. Others with special qualifying life events can enroll at any time of the year. Medi-Cal enrollment is also year-round. Medi-Cal and Covered California use the same application. After you enter your information, you will find out whether you qualify for Medi-Cal or Covered California.

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