Question: I no longer get a subsidy. Is covered California just for people who qualify for subsidies? If so, how do higher income people apply?
Answer: If you are not eligible for financial assistance, it would be better to purchase coverage outside of Covered California (referred to as “off-exchange”). The reason? Silver plan rates for 2018 are 13% higher through Covered California. While Covered California Bronze, Gold, and Platinum Plans are the same price, you will pay more for Covered California Silver Plans. Click here to shop and apply for off-exchange health insurance coverage