A plan for each person

Yes. The people on one Covered California application can each be on a different plan.

See a plan for each person and your household total before you apply. Everywhere else you split your family after the paperwork, or not at all.*

Same plans, same prices as Covered California.

See plans for my family

What you see on the apply site

The apply site's page Who goes on which plan?, with Plan 1 chosen for you (42), Plan 2 for your spouse (45), and the Before you split box
“Who goes on which plan?”: put each person on Plan 1 or on a new plan. The box below says what splitting means before you choose.
The plan list for your spouse (45), Plan 2 of 2, with Plan 1 chosen and a Kaiser Permanente Bronze 60 HDHP HMO at $537.82 a month, with which the household would pay about $187.50 a month in total
Each plan has its own list, priced for the people on it. Every card also says about what your whole household would pay with that plan.
Your plans: Plan 1 Silver 73 HMO at $625.31 and Plan 2 Bronze 60 HDHP HMO at $537.82 a month; household total $1,163.13, estimated financial help $975.63, estimated you pay $187.50 a month
“Your plans”: each plan's monthly premium, then your household total with the estimated financial help and what you pay.

In plain words

  1. Tell us your ZIP code, ages and income.
  2. Tap “Choose different plans for different people” on the plan list and put each person on a plan.
  3. Pick a plan for each, then check each plan and your household total before you apply.

An example family

The family in the pictures is made up; the prices are real. Maria (42) and Luis (45) live in Fresno (93722) and earn $68,000 a year. Their children, 10 and 7, may get Medi-Cal, so only the parents need a plan. Maria uses more care and takes Silver; Luis rarely sees a doctor and takes Bronze.

Plan 1 for Maria (42) Kaiser Permanente Silver 73 HMO $625.31
Plan 2 for Luis (45) Kaiser Permanente Bronze 60 HDHP HMO $537.82
Household total: Monthly premium $1,163.13
Estimated financial help −$975.63
Estimated you pay $187.50 a month

Prices for coverage starting January 1, 2027, as the apply site showed them on November 1, 2026. Financial help is an estimate.

Why families choose different plans

  • One person needs a doctor or hospital that only one network has.
  • One person takes costly medicines.
  • One person uses a lot of care and the others very little.
  • You want to pay less for the people who rarely see a doctor.

Before you split

  • Each plan sends its own bill.
  • Each plan has its own deductible and out-of-pocket maximum. If people on different plans need care in the same year, you may pay toward more than one deductible.
  • Each plan charges for up to 3 children under 21, so splitting children can cost more.
  • Your financial help is an estimate. Covered California decides the final amount and how it is shared between your plans.
  • Some people get a plan of their own: a child 26 or older, or a parent or another relative. The apply site tells you when two people can't share a plan.
Compare plans for each person

Most households keep everyone on one plan. You can always choose “Keep one plan for everyone”.

Questions

Can family members be on different Covered California plans?

Yes. People on one Covered California application can enroll in different plans, for example Gold for one spouse, Bronze for the other and Silver for the children. On Cover Health CA you choose a plan for each person and see your household's monthly premium, estimated financial help and estimated cost before you apply. Each plan has its own bill, deductible and out-of-pocket maximum, and Covered California decides how your financial help is split between the plans.

What happens to our financial help if we choose different plans?

Your financial help is figured for your whole household, not for each plan. Covered California decides how it is shared between your plans, and no plan gets more help than its premium. That is why the apply site shows each plan's monthly premium, and your household's estimated financial help and what you pay as totals.

* Compared with Covered California, HealthCare.gov and four other online enrollment sites, checked October 29, 2026.