Anyone who doesn’t receive coverage through an employer — including freelancers, self-employed individuals, recent graduates, or those between jobs — should consider an individual health insurance plan to protect against high medical costs and ensure access to care.

You can choose from HMO, PPO, EPO, and POS plans — each offering different levels of flexibility, provider access, and cost. We help you compare options so you can find a plan that matches your care preferences and budget.

You may qualify for premium subsidies through Covered California based on your income. Other ways to lower your premium include choosing a high-deductible plan, bundling with dental or vision, or enrolling in a Health Savings Account (HSA) if eligible.

An HSA is ideal if you have a high-deductible health plan (HDHP) and want to save money tax-free for qualified medical expenses. It’s especially useful for those who are generally healthy and want to build savings for future healthcare needs.

Yes — you can purchase a child-only health insurance plan that offers coverage for doctor visits, immunizations, prescriptions, and emergencies. We’ll help you find the right plan to keep your child protected and healthy.