2025 Open Enrollment Ends Soon

• C.A.R. Open Enrollment has been extended to December 20th
• Covered CA Open Enrollment ends January 31st
• Individual & Family Plans markets Open Enrollment ends January 31st

The Affordable Care Act limits when people can enroll in most health insurance programs.  Generally, everyone is able to enroll during an Open Enrollment Period.    However, outside of Open Enrollment, people can only enroll if they experience a Qualifying Event or become eligible for a new employer or association plan program.  Those who become eligible for group insurance plans through an employer or association plan, can enroll during their initial eligibility period if they are new members or employees.

You may still qualify for enrollment if you experience a Qualifying Event during the year.  Some common Qualifying Events include:

• Loss of employer based group coverage
• Exhaustion of COBRA or CalCOBRA
• Acquisition of a new dependent through marriage, birth, adoption

Many consumers will qualify for a tax credit to lower their premiums through Covered CA.  Covered CA is the ONLY market that allows you to take advantage of the tax credit.  To qualify, you must meet income guidelines.  View the 2025 Covered California Federal Poverty Level Income Chart.

The Individual and Family Plan market offers a variety of insurance carriers and plans.  These plans often use smaller, “skinny” networks to help keep premium costs lower.  Kaiser is the only carrier that uses the same network across all platforms (individual, Covered CA, small and large group).  It is important to always check the provider lists before enrolling.

If you are a NEW C.A.R. MEMBER or you experience a Qualifying Event, you may qualify to enroll.

C.A.R. offers REALTORS® an opportunity to get group insurance coverage. Group insurance coverage can offer advantages over Individual and Family Plans – better access to providers, richer benefits, and often lower prices!  RealCare is the only agency that can offer the C.A.R. group plan and all other options in the health insurance marketplace.  We can help you sift through all the confusion to find the plan that works best for you.

Special Enrollment Opportunitites

• New C.A.R. members, or new full time W2 employees of C.A.R. members or Boards can enroll within the first 60 days of membership/employment.
• Those who experience a Qualifying Event can enroll within 30-60 days of the event. (Check with RealCare for information on Qualifying Event timelines.)

Curious about your options?  Fill out the form below or call us at (800) 939-8088, Option 2