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Affordable Care Act

In January 2014, the Affordable Care Act expanded health coverage options and now requires most American’s to have health insurance. The Affordable Care Act requires that all health plans must provide essential health benefits. It also:

• Expanded Medi-Cal programs to include adults.
• Offers affordable insurance plans for individuals, families and small businesses through the health benefits exchange, Covered California.

You can apply for Medi-Cal coverage year round.
For more information on Medi-Cal click here or you can call 1-888-385-5160 to talk to a Placer County Program Specialist.
You can apply for Covered California during open enrollment which is yearly from November through December for coverage beginning January of the following year.
For more information on affordable healthcare, click the image below to go to Covered CA, California’s healthcare marketplace.

Covered California

Or you can call 888-300-1506 to speak to a customer service representative.

Am I Eligible

Covered California™ will make it simple and more affordable for you and millions of other Californians to get quality health insurance that can't be canceled or denied because of a pre-existing medical condition or if you get sick. If you:

  • Are a citizen or have Legal Permanent Residence status
  • Live in California
  • Are not covered by any other insurance (including MediCare)
  • And are not incarcerated

You could be eligible to insurance benefits through Covered CA.

Essential Health Benefits

In 2014, the Affordable Care Act required that all health plans provide ten common services, known as essential health benefits. These benefits include:

  • Ambulatory services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder services
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventative and wellness services
  • Pediatric services, including dental and vision care

Cost of Services

Health care coverage through Covered CA is very affordable. There are 2 ways that premiums and out of pocket costs can be reduced even further.

  • Premium Assistance is available through Advanced Premium Tax Credits. These credits can be immediately applied to your monthly costs or received as a lump sum through your tax return.
  • Cost Sharing Subsidies reduce the out of pocket expenses which include co-payments for doctor visits or prescriptions.

Depending upon family size and total gross income, you may be eligible for one or both of these cost saving measures. In some cases, individuals and families may be eligible to no cost health benefits offered through expanded Medi-Cal programs.

Use the Shop and Compare Tool ( to learn more about plan selection and if you qualify for Premium Assistance, Cost Sharing Subsidies and/or Medi-Cal.

Frequently Asked Questions