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 shop for coverage directly from an California insurance company (referred to as “off-exchange”). The reason? Silver plan rates are 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