2024 Enrollment

Important Notice:  Covered California has defined certain special Qualifying Events that will allow people in certain areas to enroll mid year.  If you need coverage and do not have a Qualifying Event, contact us to discuss options with Covered California. (800) 939-8088, Option 2.

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 onlyy 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.

The Individual Market and Covered California Open Enrollment period ended, but you may still qualify for enrollment if you experience a Qualifying Event during the year.

Many consumers will qualify for a tax credit to lower their premiums through Covered CA for 2024.  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 2024 Covered CA Income Guidelines

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.

The C.A.R. group plan Open Enrollment ended last December, but 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

2025 Open Enrollment will begin in November