CalOptima Health Covered

Our Covered California Plans

CalOptima Health now offers Covered California plans to Orange County residents. Our CalOptima Health Covered plan options offer affordable coverage, a trusted local network and care that meets your health needs.

A Covered California Plan Made for OC

CalOptima Health Covered and Covered California Logos

CalOptima Health is proud to offer Covered California plans to Orange County residents.

Whether you're self-employed, between jobs, aging off a parent's plan or looking for more affordable coverage, CalOptima Health Covered plans can help meet your health care needs. You can get a plan that's built for you with local doctors, support in your language, wellness care and other covered services.

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Find a Doctor

Use the Find a Doctor tool to search for primary care doctors, specialists and urgent care centers in our Orange County network.

Find a Doctor

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Questions?

Get answers to your questions: Call CalOptima Health Covered Customer Service toll-free at 1-888-312-2221 (TTY 711), Monday‒Friday, from 8 a.m. to 6 p.m. We have staff who speak your language.

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What Is Covered California?

Covered California is the state's official health insurance marketplace, created under the Affordable Care Act (ACA). It's where you can check if you qualify for financial help to lower your costs to make health insurance more affordable.

Through Covered California, Orange County residents can shop for, compare, and enroll in health plans, including those offered by CalOptima Health. All Covered California plans cover the 10 ACA Essential Health Benefits, including doctor visits, hospital care, prescription drugs, mental health services, and free preventive care.

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Why Choose CalOptima Health Covered

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More Than 30 Years of Local Expertise

CalOptima Health has been serving Orange County since 1995. Our team lives and works here, so we understand what our community needs.

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A Network You Can Trust

Access thousands of Orange County doctors, specialists and local hospitals who can provide services to you close to home.

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Support in Your Language

We can help you in your preferred language. Interpreter services are available at no cost. Call CalOptima Health Covered Customer Service toll-free at 1-888-312-2221 (TTY 711), Monday ‒Friday, from 8 a.m. to 6 p.m.

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Recognized Quality

CalOptima Health is recognized year after year for delivering high-quality, member-focused care across Orange County.

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Mental Health Benefits

CalOptima Health offers a wide network of behavioral health providers and specialized treatment programs, including care for children and adolescents.

HealthHub Available 24/7

Visit healthhub.caloptima.org for helpful health information, tools and resources available anytime.

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Choose Your Plan

Shop and Compare Plans

CalOptima Health offers 4 metal-tier plans through Covered California. Each balances monthly premiums (your payments) with out-of-pocket costs to find the best plan for you. The right plan depends on your budget and how often you use services. Here's a comparison:

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Available Plans

Bronze 60

Lowest premium, highest out-of-pocket cost.
Ideal if you're healthy and seeking protection from a major life change.

Learn More About Bronze 60

Silver 70/73/87/94

Moderate premium, financial help available for those who qualify.
Financial help can reduce costs to near-Platinum level at Silver prices.

Learn More About Silver 70/73/87/94

Gold 80

Higher premium, $0 deductible.
Ideal if you use covered services regularly.

Learn More About Gold 80

Platinum 90

Highest premium, lowest out-of-pocket cost.
Most predictable costs year-round.

Learn More About Platinum 90

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How to Apply

To enroll in a CalOptima Health Covered plan, you must:

Live in Orange County
Be a U.S. citizen, national or lawfully present immigrant
Not currently enrolled in Medi-Cal or Medicare
Not be in prison
Enroll during open enrollment or special enrollment if you qualify

Apply at coveredca.com or call our enrollment specialists for help at 1-888-312-2221 (TTY 711), Monday‒Friday, from 8 a.m. to 6 p.m. We have staff who speak your language.

Learn More About How to Apply

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Frequently Asked Questions

See More FAQs

What is Covered California?
Covered California is the state's official health insurance marketplace. It lets individuals and families shop for, compare, and enroll in certified health plans — with financial help available based on household income. We offer Covered California plans through CalOptima Health Covered.
Do I qualify?
You may qualify if you live in Orange County, are a U.S. citizen, or lawfully present immigrant, and are not enrolled in Medi-Cal or Medicare. Visit coveredca.com or call us to check your eligibility.
When can I enroll?
Open enrollment is November 1–January 31. You can also enroll if you have a qualifying event. See the “What is special enrollment?” question on this page for more information.
Can I keep my current doctor?
You can see any provider within the CalOptima Health Covered network. Use our Find a Doctor tool to confirm before you enroll.
How much does coverage cost?
Costs vary by plan, tier, and household income. Many members qualify for premium tax credits. Silver plan members may also qualify for additional financial help. Visit coveredca.com for a personalized quote.
What if I become eligible for Medi-Cal?
If your income or household situation changes and you qualify for Medi-Cal, you will need to transition from your Covered California plan. Call us and we will guide you through every step.

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Helpful Resources

Find a Doctor

Search our network to find a trusted provider that meets your health care needs.

Find a Doctor

Get Help With Enrollment

Need help enrolling or have questions? Call CalOptima Health Covered Customer Service toll-free at 1-888-312-2221 (TTY 711), Monday‒Friday, from 8 a.m. to 6 p.m. We have staff who speak your language.

How to Apply

Explore CalOptima Health Covered Benefits

See the benefits and services our CalOptima Health Covered plan offers.

Plan Documents

Pharmacy Benefit

View our list of covered drugs (formulary) and find a participating pharmacy near you.

Pharmacy Benefit

CalOptima Health Covered

Our Covered California Plans

A Covered California Plan Made for OC

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Find a Doctor

Questions?

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What Is Covered California?

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Why Choose CalOptima Health Covered

More Than 30 Years of Local Expertise

A Network You Can Trust

Support in Your Language

Recognized Quality

Mental Health Benefits

HealthHub Available 24/7

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Choose Your Plan

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Available Plans

Bronze 60

Silver 70/73/87/94

Gold 80

Platinum 90

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How to Apply

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Frequently Asked Questions

What is Covered California?

Do I qualify?

When can I enroll?

Can I keep my current doctor?

How much does coverage cost?

What if I become eligible for Medi-Cal?

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Helpful Resources

Find a Doctor

Get Help With Enrollment

Explore CalOptima Health Covered Benefits

Pharmacy Benefit

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A Covered California Plan Made for OC

Find a Doctor

Questions?

Why Choose CalOptima Health Covered

More Than 30 Years of Local Expertise

A Network You Can Trust

Support in Your Language

Recognized Quality

Mental Health Benefits

HealthHub Available 24/7

Choose Your Plan

Available Plans

Bronze 60

Silver 70/73/87/94

Gold 80

Platinum 90

How to Apply

Frequently Asked Questions

What is Covered California?

Do I qualify?

When can I enroll?

Can I keep my current doctor?

How much does coverage cost?

What if I become eligible for Medi-Cal?

Helpful Resources

Find a Doctor

Get Help With Enrollment

Explore CalOptima Health Covered Benefits

Pharmacy Benefit