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We've got the most affordable health coverage option in L.A. County, and one of the largest provider networks for Covered California™.
L.A. Care Covered ™ plans offer the same basic benefits across all coverage levels.
Bronze, Silver, Gold and Platinum are the four levels, which are also called metal tiers. The main difference between metal tiers is the monthly premium amount and out-of-pocket costs when services are used.
The Inflation Reduction Act and state legislation provide expanded financial help resulting in premiums as low as $0 per month depending on your income. You may qualify for these expanded subsidies.
Plans at a Glance
L.A. Care Covered ™ Plans at a Glance 2023
L.A. Care Covered ™ Plans at a Glance 2023 (Spanish)
L.A. Care Covered ™ Plans at a Glance 2022
The Difference Between Metal Tiers
 Bronze Plans |
 Silver Plans |
 Gold Plans |
 Platinum Plans |
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L.A. Care Covered™ |
L.A. Care Covered™ |
L.A. Care Covered™ |
L.A. Care Covered™ |
Bronze Plans
- Lowest monthly premiums
- Highest out-of-pocket cost
- Access to urgent care before deductible
L.A. Care Covered™
BRONZE 60 HMO
Silver Plans
- Free preventive care
- Physician office visits and urgent care before deductible
- Generic Rx available before deductible
L.A. Care Covered™
SILVER 70 HMO
SILVER 73 HMO
SILVER 87 HMO
SILVER 94 HMO
Gold Plans
- No deductibles
- Free preventive care
- Affordable office visit co-pays
L.A. Care Covered™
GOLD 80 HMO
Platinum Plans
- Highest monthly premiums
- Lowest out-of-pocket cost
- Low office visit and prescription drug co-pays
L.A. Care Covered™
PLATINUM 90 HMO
Which Is Right for Me?
When you're choosing a plan, think about how often you see a doctor and use services. It may work out better for you to pay a higher monthly premium so that you spend less on your co-pays.
- How many times did you see a doctor this past year?
- Did you fill any prescriptions on a regular basis?
- Do you think your use of health care will increase, decrease, or remain the same in 2023?
- Did you have more out-of-pocket expenses than you expected?
Your premium is based on age, ZIP code, household size, projected household income, the type of plan you select and the health insurer you choose.
Get a Quote
Use our Get a Quote tool to see an estimated premium and suggested plans.
Current Members
If you are already a member but not receiving federal subsidies there’s money available that could lower your monthly bill. See how much you could save and receive more at a higher metal level with exclusive discounts through Covered California by selecting one of the links below.
English: https://coveredca.com/la-care/
Spanish: https://coveredca.com/espanol/la-care/
If you don’t qualify for Covered California, you can buy health coverage directly from L.A. Care Covered Direct plans. L.A. Care Enrollment representatives are available Monday through Friday, from 8:00 a.m. to 5:00 p.m. at 1.855.222.4239 (TTY 711).
Minimum Coverage
L.A. Care also offers a Minimum Coverage plan for people under 30. This is known as a “Catastrophic Plan” and has no co-pays. It is the least expensive premium with the highest deductible. In case of a medical emergency it provides protection and offers three primary visits before you have to meet a deductible. You can apply for a Hardship Waiver from Covered California if you’re over 30 and need this lower cost option.
If you would like to know your estimated premium for Minimum Coverage or to enroll for coverage, please go to Covered California's Shop and Compare Tool or call their Service Center at 1.800.300.1506.