You pay the same price for a Covered California plan with or without an agent. The difference is having a licensed advisor who compares every plan in your area, checks your doctors, figures your savings correctly, and stays with you after you enroll.
Premiums are set by the insurance companies and Covered California. Using a certified agent adds nothing to your cost.
You work with a licensed advisor, not a call center or chatbot, and we stay your agent for renewals, life changes and billing questions.
Before you choose, we confirm your doctors, medical group and hospital are in the plan's network.
We help you estimate household income the way Covered California counts it, so your tax credit fits and you avoid surprises at tax time.
We also compare private PPO plans outside Covered California, useful if you earn too much for savings or want a wider network.
Offices in Carlsbad, San Diego, Santa Monica and the Central Valley, with help by phone anywhere in California.
Every Covered California plan covers the same essential health benefits. The metal level changes how costs are split between you and the plan.
| Plan level | Plan pays on average | Usually a fit if you |
|---|---|---|
| Bronze | About 60% | Want the lowest premium and mainly need protection from big medical bills |
| Silver | About 70% | Qualify for Enhanced Silver, which lowers deductibles and copays for eligible incomes |
| Gold | About 80% | See doctors regularly and prefer lower costs when you get care |
| Platinum | About 90% | Use a lot of care and want the most predictable costs |
| Minimum Coverage | Catastrophic protection | Are under 30 or have a hardship exemption |
Federal premium tax credits are based on your household size and projected 2027 income. For 2027 coverage they stop once household income passes 400% of the federal poverty level, so earning just over the line can mean paying full price. See the 2027 income limits by household size.
If you don't qualify for a tax credit, Covered California may not be your lowest-cost choice. We compare it side by side with private PPO plans that use large nationwide networks, so you can see which costs less for your family.
Your ZIP code, the ages of everyone you want covered, your estimated 2027 income, and any doctors you want to keep.
Every Covered California plan in your area, your estimated savings, and private PPO options when they could cost less.
We complete your enrollment with you, then help with renewals, income changes and claims questions all year.
No. Covered California plan prices are the same whether you enroll on your own or with a certified agent. Our help is free to you. Agents are paid by the insurance companies, not by you.
Open enrollment runs from November 1, 2026 through January 31, 2027. Enroll by December 31, 2026 for coverage that starts January 1, 2027. If you enroll in January, coverage starts February 1.
Yes, if you have a qualifying life event, such as losing other coverage, moving, getting married or having a baby. A special enrollment period usually gives you 60 days from the event to enroll.
Federal premium tax credits depend on your household size and projected 2027 income. For 2027 coverage they stop once household income passes 400% of the federal poverty level. Lower incomes may also qualify for Enhanced Silver plans with lower deductibles and copays.
Yes. California has its own state requirement to have health coverage, and the penalty is charged on your state tax return through the Franchise Tax Board unless you qualify for an exemption.
It depends on the plan's network. Before you enroll, we check that your doctors, medical group and hospital are in network, so you know before you choose.
No. We are an independent, licensed insurance agency certified by Covered California to help people compare plans and enroll. You get the same plans and prices, plus a local advisor who stays with you after you enroll.
See all Covered California FAQs →
Get Your 2027 Covered California Quote
Free comparison from a certified agent. Mon–Fri 8am–10pm, Sat 10am–4pm Pacific.
Gemspire Insurance Solutions is an independent insurance agency certified by Covered California. We are not Covered California or a government agency. Plan prices are the same whether you enroll on your own or with a certified agent. Savings depend on household income and size.
