Open enrollment

Open enrollment begins October 15 and ends January 31. Here's everything you need to know.

What is open enrollment?


Open enrollment is the annual, three-month period set by the state of California when people can enroll in a health insurance plan. You can apply for the plan of your choice directly through Sharp Health Plan. If you're interested in receiving financial assistance, you can apply directly through Covered California®. Find out if you're eligible here ➜

If you want your coverage to start on:Your application must be received by:
Jan. 1, 2020Dec. 20, 2019
Feb. 1, 2020Jan. 31, 2020

Need coverage sooner? Learn more about special enrollment ➜

What’s new for 2020

  • The Sharp Silver Performance plan is once again available off-exchange. This plan offers a uniquely affordable option that provides access to Rady Children’s Physician Network, SCMG Arch Health Medical Group and SCMG Graybill.
  • California will offer more San Diegans financial aid for coverage. Individuals with incomes up to $74,940 and households with incomes up to $154,500 (based on a family of four) will qualify for state-based financial help. Our Covered California® plans offer some of San Diego’s lowest rates (reduced up to 15% on select plans).
  • California now has a statewide coverage mandate, resulting in a tax penalty for those who do not have health insurance. The penalty is based on 2.5% of household income or a minimum of $695 per adult, whichever is greater.

Here's how it works:

1. 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.

Browse Networks

2. 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.

Browse Plans

3. Get a quote & apply
Get a quote in 5 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.

Get started

4. Gather your documents
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.

Find out more

What happens next?

Covered California logo

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.

piggy bank icon

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.

teal letter icon

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.

purple ID icon

Member ID cards

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

Member ID cards are mailed two per envelope. If your plan includes three or more family members, cards will be mailed in pairs separately. 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.

If you already have your ID card, then head over to our new member checklist.

Enrollment documents

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 enrollment

Here’s a quick start guide to help you find the individual and family plan that’s right for you.

Get a quote