Special enrollment

Find out how to get high-quality and affordable coverage outside of open enrollment.

What is special enrollment?

If you need coverage outside of open enrollment, you may still be able to apply if you've had a qualifying event. In most cases, you have 60 days from the date of the event to enroll in a health 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 ➜

Qualifying life events include:

  • You had a baby or adopted a child
  • You got married
  • You exhausted your COBRA coverage
  • You lost coverage due to a divorce or legal separation

Download the full list of qualifying events

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.


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 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.

For Spanish-speaking users, view our Quick Guide in Spanish.


What happens next?

Covered California logo

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.

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Initial payment letter

When: 11–14 days after application is submitted

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: 7–10 days after your first payment is received

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.

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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.

If none of the qualifying events apply to you, you may be eligible to apply for Medi-Cal at any time.

Get a quote