Covered California Enrollment for 2020

If you’re paying for PrEP or medication for HIV or hepatitis C, a health insurance plan through Covered California can help make medications and medical care more affordable.

Inscripción para Covered California en 2020 [Spanish]

People in California looking for health insurance have until January 31, 2020 to sign up for a plan through Covered California, our state’s marketplace for affordable health insurance.

If you’re paying for PrEP or medication for HIV or hepatitis C, a health insurance plan through Covered California can help make medications and medical care more affordable.

Enrollment & Info Drop-in Times at San Francisco AIDS Foundation

Get assistance picking a plan that works for you and enrolling during drop-in times at San Francisco AIDS Foundation.

Between Oct. 15, 2019 – Jan. 31, 2020 (closed Nov. 28, Dec. 25 and Jan. 1 – 2)

Wednesdays, 5 pm – 8 pm

  • Strut, 470 Castro Street, San Francisco (open to all)

Thursdays, 5 PM – 8 PM

  • Strut, 470 Castro Street, San Francisco (reserved for queer and trans people of color)

Info sessions at San Francisco AIDS Foundation

Want to know more about how Covered California could help you afford PrEP, HIV or hepatitis C medications, gender-affirming care, and other health care? Attend an info session to find out more. 

For queer & trans people of color

QTPOC at Strut  

Thursday, November 14, 6:30 pm – 8 pm

Strut, 470 Castro Street, San Francisco

We’ll focus on: PrEP, HIV care, gender-affirming care, surgeries and more


Covered California and Immigration Status // Covered California y Estado de Inmigración

Esteban and Anthony from San Francisco AIDS Foundation talk through the options for Covered California health insurance plans for people with varying immigration statuses, including people with green cards, temporary residents and people working on an asylum or refugee case.

Enroll in Covered California before January 15, 2019. Use the “Shop and Compare” tool to help find the right plan for you.

How to use the Shop and Compare tool

Covered California Certified Enrollment Counselors Izabelle Doublin and Felipe Flores from San Francisco AIDS Foundation walk you through how to use the "Shop and Compare" tool, available on the Covered California website, to preview customized information about how much different plans cost and the benefits they provide.

PrEP coverage with Covered California

Taking PrEP and want to know more about how to pay for it with insurance? Louis Smith and Reina Hernandez, PrEP benefits navigators at San Francisco AIDS Foundation, explain cost associated with PrEP under Covered California health insurance plans, and considerations on selecting a plan with the right level of coverage.

Critical info about Covered California 2020

Open Enrollment for Covered California goes from October 15, 2019 to January 31, 2020. Enroll before December 15, 2019 for coverage that starts January 1.

The California individual mandate penalty returns. Taking effect on January 1, 2020, the mandate requires Californians to have qualifying health insurance coverage all year. People without qualifying health insurance coverage could face a financial penalty when they file their state income tax. Plans offered through Covered California count as qualifying coverage. More information.

An expanded state subsidy program will help middle-class individuals afford premiums. For people making up to 600% of the federal poverty level (e.g., individuals making $50,000 – $75,000 yearly or families of four making $100,000 to $150,000), there is now financial help available to help pay for premiums thanks to an expanded state subsidy program. An estimated 922,000 Californians will be eligible for financial assistance. Get more info about the state subsidy program and find more info about other help available to pay for health care costs.   

Less than 1% increase in premiums. Due to an increase in competition and the return of the individual mandate, this is the first year that the increase in premiums is less than 1%. If you want to switch plans, it’s possible to find plans with no increased cost in premiums.  

Use caution if selecting a Bronze plan. The “Bronze” metal tiered plans offer the least expensive premiums, but come with the least amount of coverage and highest deductibles. (Deductibles are the amount you have to pay out of pocket before the plan covers your costs.) If you are considering selecting a Bronze plan, consult with an advisor before making a final decision.   

All 11 health insurance companies are returning to offer plans in the marketplace. A large national plan, Anthem Blue Cross, has expanded, giving nearly all Californians a choice of two carriers. 87% of Californians will have access to three or more health plans, with competition between carriers bringing savings to consumers.

Cost-savings programs bring additional savings. Patient assistance and co-pay programs such as ADAP, OA-HIPP and PrEP-AP provide financial assistance to people living with HIV, co-infected with HIV and hepatitis C, or people taking PrEP that make coverage, medications and medical care more affordable.