When Can I Change My Plan?
You can change your Covered California plan:
- During Open Enrollment (Nov 1 - Jan 31)
- During a Special Enrollment Period after a qualifying life event
- When your subsidy amount changes significantly
Quick Navigation
Related Topics
Official Health Insurance Marketplace
California's state-based health exchange since 2013
Get a QuoteChanging 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
Changes made during Open Enrollment take effect January 1st.
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 to a new county
- 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