“Hi, I’m Cesar Ramirez, your local licensed insurance agent. I help California families understand their options without the call-center pressure.”
California Health Insurance FAQs
Covered California’s open enrollment period runs each year from November 1 through January 31. Outside that window, you generally need a qualifying life event, such as losing other coverage, moving, marriage or having a baby, to enroll.
Many Californians qualify for financial help through Covered California based on household income and size. I can help you see what you may be eligible for.
An HMO usually requires you to use doctors in its network and get referrals for specialists, often with lower costs. A PPO gives you more flexibility to see out-of-network providers, usually at a higher cost.
There’s no charge for my help comparing and enrolling in health coverage.
When you become eligible for Medicare, your options change. See my Medicare page and turning-65 checklist, or call 760-297-0366.