{"id":140984,"date":"2023-12-21T16:34:37","date_gmt":"2023-12-21T16:34:37","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/"},"modified":"2023-12-21T16:34:37","modified_gmt":"2023-12-21T16:34:37","slug":"is-covered-california-a-broker","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/","title":{"rendered":"Is Covered California a broker?"},"content":{"rendered":"<p>Covered California is not a broker. Covered California is actually the state&#8217;s health insurance marketplace, where individuals and small businesses can compare different health insurance plans and purchase coverage. The marketplace was established as part of the Affordable Care Act, also known as Obamacare, to provide a platform for residents of California to find and enroll in affordable health insurance plans. **Covered California is not a broker and does not sell insurance policies directly.**<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#FAQs_about_Covered_California\" title=\"FAQs about Covered California:\">FAQs about Covered California:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#1_How_does_Covered_California_work\" title=\"1. How does Covered California work?\">1. How does Covered California work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#2_Can_individuals_and_families_purchase_health_insurance_through_Covered_California\" title=\"2. Can individuals and families purchase health insurance through Covered California?\">2. Can individuals and families purchase health insurance through Covered California?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#3_Are_there_subsidies_available_for_purchasing_health_insurance_through_Covered_California\" title=\"3. Are there subsidies available for purchasing health insurance through Covered California?\">3. Are there subsidies available for purchasing health insurance through Covered California?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#4_Can_small_businesses_purchase_health_insurance_for_their_employees_through_Covered_California\" title=\"4. Can small businesses purchase health insurance for their employees through Covered California?\">4. Can small businesses purchase health insurance for their employees through Covered California?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#5_Are_there_different_levels_of_coverage_available_through_Covered_California\" title=\"5. Are there different levels of coverage available through Covered California?\">5. Are there different levels of coverage available through Covered California?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#6_Are_there_penalties_for_not_having_health_insurance_coverage_through_Covered_California\" title=\"6. Are there penalties for not having health insurance coverage through Covered California?\">6. Are there penalties for not having health insurance coverage through Covered California?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#7_Can_individuals_with_pre-existing_conditions_enroll_in_health_insurance_through_Covered_California\" title=\"7. Can individuals with pre-existing conditions enroll in health insurance through Covered California?\">7. Can individuals with pre-existing conditions enroll in health insurance through Covered California?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#8_Can_immigrants_enroll_in_health_insurance_through_Covered_California\" title=\"8. Can immigrants enroll in health insurance through Covered California?\">8. Can immigrants enroll in health insurance through Covered California?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#9_Can_individuals_change_their_health_insurance_plans_through_Covered_California\" title=\"9. Can individuals change their health insurance plans through Covered California?\">9. Can individuals change their health insurance plans through Covered California?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#10_Are_there_in-person_assisters_available_to_help_individuals_enroll_in_health_insurance_through_Covered_California\" title=\"10. Are there in-person assisters available to help individuals enroll in health insurance through Covered California?\">10. Are there in-person assisters available to help individuals enroll in health insurance through Covered California?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#11_Can_individuals_apply_for_Medi-Cal_through_Covered_California\" title=\"11. Can individuals apply for Medi-Cal through Covered California?\">11. Can individuals apply for Medi-Cal through Covered California?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#12_Can_individuals_buy_dental_or_vision_insurance_through_Covered_California\" title=\"12. Can individuals buy dental or vision insurance through Covered California?\">12. Can individuals buy dental or vision insurance through Covered California?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_Covered_California\"><\/span>FAQs about Covered California:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_How_does_Covered_California_work\"><\/span>1. How does Covered California work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCovered California works as an online marketplace where consumers can shop for different health insurance plans from various insurance companies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_individuals_and_families_purchase_health_insurance_through_Covered_California\"><\/span>2. Can individuals and families purchase health insurance through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, individuals and families can purchase health insurance through Covered California during open enrollment periods, typically from November to January each year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Are_there_subsidies_available_for_purchasing_health_insurance_through_Covered_California\"><\/span>3. Are there subsidies available for purchasing health insurance through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, there are subsidies available to help lower-income individuals and families afford health insurance through Covered California.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_small_businesses_purchase_health_insurance_for_their_employees_through_Covered_California\"><\/span>4. Can small businesses purchase health insurance for their employees through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, small businesses can purchase health insurance for their employees through Covered California&#8217;s Small Business Health Options Program (SHOP).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Are_there_different_levels_of_coverage_available_through_Covered_California\"><\/span>5. Are there different levels of coverage available through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, Covered California offers different levels of coverage, including bronze, silver, gold, and platinum plans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_there_penalties_for_not_having_health_insurance_coverage_through_Covered_California\"><\/span>6. Are there penalties for not having health insurance coverage through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, under the Affordable Care Act, there is a penalty for not having health insurance coverage, unless you qualify for an exemption.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_individuals_with_pre-existing_conditions_enroll_in_health_insurance_through_Covered_California\"><\/span>7. Can individuals with pre-existing conditions enroll in health insurance through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, individuals with pre-existing conditions cannot be denied coverage through Covered California.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_immigrants_enroll_in_health_insurance_through_Covered_California\"><\/span>8. Can immigrants enroll in health insurance through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, immigrants, regardless of their immigration status, can enroll in health insurance through Covered California.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_individuals_change_their_health_insurance_plans_through_Covered_California\"><\/span>9. Can individuals change their health insurance plans through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, individuals can change their health insurance plans during open enrollment periods or if they experience a qualifying life event, such as getting married or having a baby.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Are_there_in-person_assisters_available_to_help_individuals_enroll_in_health_insurance_through_Covered_California\"><\/span>10. Are there in-person assisters available to help individuals enroll in health insurance through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, Covered California provides in-person assisters, also known as certified enrollment counselors or certified insurance agents, who can help individuals navigate the enrollment process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_individuals_apply_for_Medi-Cal_through_Covered_California\"><\/span>11. Can individuals apply for Medi-Cal through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, individuals can use Covered California to apply for Medi-Cal, the state&#8217;s Medicaid program, if they qualify based on income.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_individuals_buy_dental_or_vision_insurance_through_Covered_California\"><\/span>12. Can individuals buy dental or vision insurance through Covered California?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, individuals can purchase separate dental and vision insurance plans through Covered California, in addition to their health insurance coverage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Covered California is not a broker. Covered California is actually the state&#8217;s health insurance marketplace, where individuals and small businesses can compare different health insurance plans and purchase coverage. The marketplace was established as part of the Affordable Care Act, also known as Obamacare, to provide a platform for residents of California to find and &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Is Covered California a broker?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/is-covered-california-a-broker\/#more-140984\">Read more<span class=\"screen-reader-text\">Is Covered California a broker?<\/span><\/a><\/p>\n","protected":false},"author":33,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-140984","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is Covered California a broker?<\/title>\n<meta name=\"description\" content=\"Covered California is not a broker. 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