CSU Health Insurance Education Project

Insurance Costs

Under the Affordable Care Act, if you or your family make less than 138% FPL (Federal Poverty Level), you or they may be eligible for the state’s Medi-Cal program. In 2015, 138% FPL for an individual was $16,105 and for a family of 4, it was $32,913. For income guidelines for different years’ FPL, check the U.S. Department of Health & Human Services at http://aspe.hhs.gov/poverty/index.cfm.

Individuals and families who earn between 138% FPL and 400% FPL may qualify for financial assistance through Covered California. The less a person’s earnings, the greater the financial assistance that will be provided.

To get an estimate of the assistance you or your family might receive, visit Covered CA's cost calculator.

Anyone buying insurance as an individual or as a family may purchase their insurance through Covered California. They may also purchase insurance direct from insurance companies.

However, if an individual or family is eligible for and wishes to receive financial assistance in the purchase of their insurance, they must purchase it through Covered California. There are two ways you can enroll in a low-cost, discounted insurance plan:

  1. Visit the Covered California website. You will find information about the insurance plans being offered in your area, descriptions of the choices you have in health care benefits, and means of determining how much you or your family will have to pay for the different insurance options available to you.
  2. Contact a Certified Enrollment Counselor or call Covered California at (800) 300-1506.

For more information on enrollment and enrollment options see insurance options.