Individual Health Insurance in California
We help individuals and families in California find ACA‑compliant health insurance coverage offered directly by insurance carriers outside of the Covered California exchange.
Our individual health insurance services are designed for people who need clear explanations, compliant plan options, and guidance navigating important enrollment decisions.
Please note: We do not offer Covered California subsidized health plans. All individual health insurance options we provide are offered off‑exchange and do not include government premium subsidies.
Who Individual Health Insurance Is Designed For
Individual health insurance is intended for people who are not eligible for employer‑sponsored coverage and need to purchase health insurance on their own.
- Individuals and families without access to employer health benefits
- Self‑employed or independent workers
- Early retirees not yet eligible for Medicare
- Individuals seeking off‑exchange ACA‑compliant plans
What Off‑Exchange Health Insurance Means
Off‑exchange health insurance refers to ACA‑compliant plans purchased directly from insurance carriers rather than through the Covered California exchange.
These plans include essential health benefits and ACA protections, but they do not include income‑based premium subsidies or tax credits.
Individual Health Insurance Enrollment Options
If you already know which insurance carrier you would like to enroll with, enrollment is completed directly through the carrier’s secure enrollment portal.
If you are unsure which option is best for you, we recommend scheduling an individual coverage review before enrolling.
Enrollment is subject to carrier approval and applicable enrollment periods.
Who This Page Is Not Intended For
Individual health insurance is not designed for businesses or employers providing coverage to employees. Different rules and solutions apply for employer‑sponsored health plans.
If you are responsible for health benefits for employees, please visit our employer‑focused health insurance solutions:
Medicare Insurance Support
If you are eligible for Medicare, additional coverage options are available, including Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D plans.
Visit our
Medicare Insurance page
for more information.
Request an Individual Coverage Review
If you would like assistance reviewing individual or family health insurance options before enrolling, we can help clarify coverage details and next steps.
This review is intended for individuals and families seeking personal health insurance coverage.