As the enrollment deadline for Covered California approaches, residents in Ventura, Santa Barbara, and San Luis Obispo counties are urged to act fast. Nearly 80,000 people in this region are currently covered by the program, which provides affordable health insurance options for those who don’t have access to workplace coverage or government health programs like Medicare or Medi-Cal.
The deadline for those who want their coverage to begin on New Year’s Day is December 31. However, open enrollment continues until January 31, with those who miss the December 31 deadline not receiving coverage until February.
What is Covered California?
Covered California is California’s health insurance marketplace, created by the Affordable Care Act (ACA) nearly 15 years ago. It aims to help individuals and families obtain affordable health insurance. The program serves people who cannot get affordable coverage through their employers and do not qualify for other government programs.
In Ventura, Santa Barbara, and San Luis Obispo counties, roughly 80,000 individuals benefit from Covered California. Statewide, the program has seen a significant increase in enrollment, with over 1.8 million Californians enrolling or renewing their coverage by mid-December.
2025 Coverage Costs
For 2025, the average premium increase for Covered California will be 7.9%. However, the rise will be slightly lower in Ventura County and surrounding areas. This increase is attributed to several factors, including the rising costs of healthcare services, the growing demand for medical care, and labor shortages in the healthcare sector.
Despite this increase, Covered California has expanded financial assistance options. In addition to federal subsidies, the marketplace is enhancing a program designed to lower out-of-pocket costs for medical care. Some plans will even eliminate deductibles altogether, making coverage more affordable for those who need it most.
To get a better idea of monthly premiums and potential financial assistance, individuals can use Covered California’s online “shop and compare” tool, or consult the Kaiser Family Foundation’s online cost calculator.
Automatic Renewals and Required Updates
Existing Covered California members who don’t take action will be automatically renewed. However, it is essential for people to update any changes to their income, household size, or address. These updates are required by law to ensure correct coverage and accurate financial assistance.
California Health Insurance Mandate
California law mandates that all residents carry health insurance, though some exemptions are available. Those who go without health insurance for an entire year may face penalties, with fines starting at $900 per adult and $450 per child.
How to Apply for Covered California
If you’re ready to apply for coverage or need assistance, there are multiple ways to get help. You can apply online, by phone, or in person. Be prepared with important documents, such as your Social Security number, federal tax information, and income data. Noncitizens will also need immigration documents.
For questions or help, Covered California’s customer service is available at 1-800-300-1506. Online chat tools are also available, and you can connect with a network of local insurance agents and enrollers for free assistance.
Don’t wait—take advantage of this opportunity to secure health coverage for 2024 before the deadlines pass.
