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Should I purchase a policy through the State Exchange a.k.a. Covered California or through the Direct Market?

If you are an individual or small group business who will qualify for a premium subsidy or business tax credit, you must purchase your policy through the State Exchange/Covered California website, in order to receive such financial assistance.

If you do not qualify for a subsidy or tax credit, then it is more advantageous for you to purchase your policy through the Direct Market – as there are many more plan options available to you that may fit your budget.

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Covered California: “On-Exchange”

Do you qualify for a subsidy?

Does your small business qualify for a tax credit?

Direct Markets: “Off-Exchange”