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Premium Assistance helps make your health insurance plan affordable

Covered California will make it simple and more affordable for millions of Californians to get health insurance.

There are several government programs that offer financial assistance to reduce the cost of health insurance.

Premium assistance

Federal help will be available to reduce the cost of an individual’s or family’s monthly health insurance payments.

Qualifying for Premium Assistance

Premium assistance is available for individuals and families who make less than a certain amount a year and who do not have other options for obtaining affordable health insurance that meets certain coverage requirements, such as health coverage offered through their employer or another government program.

The amount of premium assistance depends on an individual’s income, age and where the person lives. The Patient Protection and Affordable Care Act sets a monthly maximum that people will pay for health care, based on where their income falls in the federal poverty level scale. In general, the less income someone makes, the less he or she will have to pay for health insurance and the more the federal government will help.

Here are some key facts about premium assistance:

Premium assistance reduces the cost of an individual’s or family’s health insurance plan premium.

Premium assistance (a federal subsidy) is applied directly to the premium at the time an individual or family enrolls in health insurance. Enrollees do not need to wait until they file a tax return at the end of the year.

Premium assistance is only available through Covered California. Californians must purchase their health insurance plan from Covered California if they want to get premium assistance.

Premium assistance is paid by the federal government directly to the health plan an individual or family chooses through Covered California.

Cost-sharing assistance

Cost-sharing subsidies reduce the amount of health care expenses an individual or family has to pay at the time of medical care. See the Covered California Fact Sheet or visit to see if you qualify.


Free or low cost health coverage for those who qualify, including people with disabilities, and those with 2023 incomes of less than $18,755 for a single individual and $38,295 for a family of four.

Qualifying for Cost-Sharing Subsidies

While premium assistance can help reduce premium payments, cost-sharing subsidies protect lower-income people from high out-of-pocket costs at the time of service.  Anyone who qualifies for cost-sharing subsidies will pay less for health care expenses, including costs incurred when they receive medical care.

Covered California Premium Assistance