Coverage that counts

Plans as low as $0* a month with new financial help available.

Start the new year with high-quality, affordable coverage. For 2024, you may be able to get more and save more with a plan from Sharp Health Plan.

  • Plans as low as $0* a month. Doctor visit copays as low as $0*, deductibles as low as $0* and some of the lowest rates in San Diego, including our 4-star Covered California plans.1
  • Financial help available. You may be eligible for big savings on your health coverage, even if you haven’t qualified for financial assistance in the past.
  • High-quality care. Sharp Health Plan is the highest member-rated commercial health plan in San Diego.2 In addition, we're honored to be named the Best Health Insurance in San Diego by the Union Tribune’s Readers Poll for the third year in a row.3
  • Convenience. Get the care you need, when you need it, with video and phone doctor visits from home4, after-hours nurse advice, online appointment scheduling4 and more.

We offer several different plan options that can be personalized to meet your needs, while still giving you direct access to the award-winning Sharp doctors, hospitals and medical groups you trust, with the extraordinary service of The Sharp Experience.

* Based on eligibility. 1. Based on the Summary Quality Rating from Covered California. 2. Among reporting California plans. Based on 2023 NCQA Quality Compass® CAHPS® results. Quality Compass is a registered trademark of the National Committee for Quality Assurance (NCQA). CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ). 3. Voted ‘Best Health Insurance’ in the San Diego’s Best Union-Tribune Readers Poll, 2021-23. 4. Select doctors offer this service.

Here’s how to apply:


Choose a network.

Through our Performance and Premier networks, you can access award-winning doctors, hospitals, medical groups and much more. Both offer the same quality of care, but with different coverage to fit your needs and budget.


Choose a plan.

From lower copays to lower monthly payments, we have a plan for you. Our plans are designed to give you the flexibility you need at a price you like. If you are under 30, you may also choose a plan option called a Minimum Coverage plan.


Get a quote and apply.

Get a quote in five minutes with our helpful quote tool. Simply answer a few questions to receive a personalized plan recommendation and quote based on your unique needs. Once you're happy with your selection you can apply for coverage.

If you want your coverage to start on: Your application must be received by:
Jan. 1, 2024 Dec. 15, 2023
Feb. 1, 2024 Feb. 9, 2024

Need coverage sooner? Learn more about special enrollment ➜


Verify your address.

If you have never enrolled in benefits with us before or are applying with a new home address, then we'll need to verify your address to make sure you live or work in our service area. Find out which documents you may need to provide.

Want more information?

Call +1-858-499-8211 to talk to an enrollment specialist. If you prefer, you can leave your information below, and we’ll give you a call at a time that is convenient for you.

Individual & family plan application

To apply for coverage, get a quote online to start the process.

Or you can download and fill out the Sharp Health Plan paper application below, and begin your journey to better health.


Compare networks and plans

Use this helpful chart to view our different networks and plans and find the one that meets your needs and budget.


3 steps to enroll

Here’s our Quick Guide to help you find the individual and family plan that’s right for you.


What happens next?

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If you applied through Covered California

You will first receive a confirmation email and letter via mail from Covered California. Please note that if you haven't received a confirmation email from Covered California, your application may not be complete. You can expect a slight delay from the time you apply to the time Covered California shares your completed application with us.

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Initial payment letter

When: 5–7 days after application is approved

This is the first letter you will receive from Sharp Health Plan. It will arrive by mail. If you have already made your first payment, you will not need to take any further action.

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Welcome kits

When: Mid- to late-December or January, depending on your plan start

Your welcome kit will include your Member Resource Kit and your specific summaries of benefits. This will be your guide to accessing care, what to do in an emergency, and prescription drug benefits. After you make your first payment, you can expect your kit to arrive about two or three weeks before your plan start.

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Member ID cards

When: Mid- to late-December or January, depending on your plan start

Member ID cards are mailed individually. If your plan includes multiple dependents, you’ll receive multiple mailings. After you make your first payment, you can expect your ID card to arrive about two or three weeks before your plan start. Be sure to carry your ID card with you at all times.