Applying for coverage

Shopping for health insurance can feel overwhelming, but it doesn’t have to be that way. Here’s what you should consider before you apply.

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Select the right provider network

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Where do you live?

We offer two great provider networks to choose from — Performance and Premier. Performance covers a wider geographic area and is a great choice if you live or work in North County. It also includes the Rady Children’s Health Network. Premier is ideal for those who live or work in central San Diego.


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Who is your doctor?

Be sure to choose the network that includes your doctor. If you’re also looking for health insurance to cover your spouse and/or dependents, their doctors will be need to be in the same network too. If you don’t already have a doctor, we can help you find one for you and your family.


Choose the right plan

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Premiums vs copays?

If you prefer to have lower copays and a higher premium, look for a benefits-rich plan like the Platinum or Gold plans. If you prefer a lower monthly premium and higher copays, check out our Silver or Bronze plans.


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How often do you visit the doctor?

If you don’t visit the doctor regularly, you may want to consider one of our high-deductible plans. If you see a doctor or specialist more often, a plan with either a low deductible or no deductible might be right for you.


Enrollment periods explained

Here’s what you can do during our open enrollment and special enrollment periods.


Open enrollment

Special enrollment

Change your primary care physician  
Update your contact info  
Cancel your coverage  
question iconMust have a qualifying event in the last 60 days.
Change your network 
question iconMust have a qualifying event in the last 60 days.
Change your plan  
question iconMust have a qualifying event in the last 60 days.
Add a family member  
question iconMust have a qualifying event in the last 60 days.

Ready to enroll?

Open enrollment begins October 15, 2019 and ends January 31, 2020.
If you need coverage sooner than January 1, you may be eligible for special enrollment.
Choose from one of the options below to get started.

Open enrollment

Anyone is eligible to apply for coverage during open enrollment. Find out what to expect and how to get a quote.

get started
Special enrollment

If you’ve had a qualifying life event in the past 60 days, you may be eligible for special enrollment.

get the facts  

Did you already start the application process for a new plan? You can pick up right where you left off.

Looking for financial assistance? Learn more about Covered California® and find out if you qualify.

Meet your enrollment team

Here are the friendly faces ready to guide you through enrollment.

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Don Truong
IFP Sales Manager



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Rebecca Palazzo
IFP Sales Associate



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Kelly Johnson
IFP Sales Associate



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Ryan Cortez
IFP Sales Associate



Get a quote