When Can I Change My Plan?
You can change your Covered California plan:
- During Open Enrollment (November 1 - January 31)
- During a Special Enrollment Period after a qualifying life event
- When your subsidy amount changes significantly
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Obtener una CotizaciónChanging Your Covered California Plan FAQs
Want to switch to a different health plan? Learn when you can change plans, what qualifies for mid-year changes, and how to make the switch.
Switching During Open Enrollment
During annual Open Enrollment, you can:
- Switch to any available plan or metal tier
- Change insurance carriers
- Add or remove family members
- Update your income information
A plan picked by December 31 starts January 1; a plan picked in January starts February 1.
Mid-Year Plan Changes
Outside Open Enrollment, you can only change plans if you have a qualifying life event such as:
- Marriage, divorce, or domestic partnership
- Birth or adoption of a child
- Moving within California to an area with new plans
- Significant income change affecting subsidy level
Note: Simply wanting a different plan is not a qualifying event for mid-year changes.
How to Change Your Plan
- Log in to your Covered California account
- Report any life changes if applicable
- Browse available plans
- Select your new plan
- Confirm the change and note your new effective date