Discover Your Path to Wellness
Each plan offers comprehensive benefits to help you achieve your health goals, including no-cost annual check-ups and preventive services, prescription and vaccine coverage, mental health and wellness support, plus access to free fitness, cooking and nutrition classes. Our affordable rates also give you the option to consider premium metal levels while still keeping much-needed money in your pocket!
Access Leading, Expert Care
We are here to support your path to wellness! We offer L.A.'s largest HMO network, giving you access to top doctors and specialists in your neighborhood.
Plans at a Glance
Bronze, Silver, Gold and Platinum are the four tiers, also known as metal levels. Each plans differs by its 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.
L.A. Care Covered ™ Plans at a Glance 2025
L.A. Care Covered ™ Plans at a Glance 2025 (Spanish)
L.A. Care Covered ™ Plans at a Glance 2025 (Chinese)
L.A. Care Covered ™ Plans at a Glance 2024
L.A. Care Covered ™ Plans at a Glance 2024 (Spanish)
L.A. Care Covered ™ Plans at a Glance 2024 (Chinese)
The Difference Between Metal Tiers
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 Plan Is Right for Me?
When you're choosing a plan, consider how often you see a doctor and use health services. Depending on your lifestyle, it may be more beneficial to pay a higher monthly premium to lower your co-pays. You may want to consider:
- 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 2025?
- Did you have more out-of-pocket expenses than you expected?
How Is My Premium Determined?
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.
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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.