About Covered California
Covered California is the state-run health insurance marketplace where Californians can shop ACA-compliant plans and apply for subsidies.
Where Covered California is genuinely strong
- Official subsidy administration
- Required entry point for federal subsidies
- Statewide carrier selection
We mean that - they have real strengths. The question is whether those strengths match what you actually need.
Side-by-side
Personalized advisor
Covered California
Marketplace-only - no personalized strategy
Harmony SoCal
No-cost certified-agent service through Covered California - same plans, same prices, but with personal guidance
Off-marketplace options
Covered California
Marketplace-listed plans only
Harmony SoCal
Marketplace + off-marketplace + private-carrier options compared side-by-side
Medicare integration
Covered California
Doesn't cover Medicare
Harmony SoCal
We coordinate Covered California → Medicare transition automatically at 65
Who Covered California is right for
Anyone shopping ACA marketplace plans - and a great reason to use a Covered California-certified agent (like us) at no extra cost.