Free help with Covered California and other health plans.
I’m a licensed health insurance agent based in San Francisco, certified by Covered California for 2027. I compare plans in your area, check your doctors and prescriptions, check whether you may qualify for savings, and enroll you, by phone, text, email or video anywhere in California.
Call or text 248-828-5782 · English · Русский · Українська
Covered California, off-exchange and more
Covered California plans
Individual and family ACA plans through the state exchange. This is the only place to get premium tax credits and cost-sharing reductions if you qualify. Covered California makes the final eligibility decision.
Off-exchange ACA plans
The same essential health benefits and pre-existing condition protections, bought directly from the insurer. No premium tax credits off-exchange, so this is useful when you don’t qualify for them.
Private health plans
An option for people who don’t qualify for Marketplace savings or who want copay-based coverage outside the Marketplace. Not ACA coverage and not an insurance policy: it is a self-funded employer plan, and you join the sponsoring company as a part-time employee. You answer health questions and can be declined, there are no premium tax credits, visit and benefit limits apply, and it is not protected by a state insurance guaranty association. I’ll always show it next to your ACA options and give you the plan’s written disclosure before you apply.
Dental, vision & supplemental
Add-on plans that supplement health insurance. They are not a substitute for major medical coverage.
Key dates and changes
When is open enrollment for 2027?
Covered California open enrollment runs from November 1 to January 31. Enroll by December 31 for coverage starting January 1. After open enrollment closes, you can enroll only after certain life events, like losing other coverage, moving, marriage or a new baby. Dates are set by the exchange and can change.
I have parole, TPS, asylum or a work visa. What changes?
Starting in 2027, people with these statuses no longer qualify for federal premium tax credits or cost-sharing reductions. If you’re lawfully present, you can generally still buy a Covered California plan at full price or an off-exchange ACA plan. If your income is low, you may still qualify for Medi-Cal depending on your status; Medi-Cal rules for some immigrants change during 2027, and the county decides eligibility. I’ll go over which options are open to you and what they cost. I don’t give immigration or legal advice.
Does your help cost anything?
No. Insurance companies pay agents a commission. Your premium is the same as if you enrolled on your own at CoveredCA.com.
Do we need to meet in person?
No. I work with clients across California by phone, text, email and video.
Plan availability depends on where you live and your eligibility. The policy’s own language governs what is covered.