Let’s Talk Health!
Health Coverage Is Changing. We’re Here to Help You Navigate It.
Health insurance can be complicated — and changes to federal health policy are making it even more important to understand your coverage, your costs and your options.
The California Black Health Network (CBHN) is a trusted Covered California Navigator. Our Certified Enrollment Counselors provide free, confidential enrollment assistance to help you understand your options, determine what financial help you may qualify for and find coverage that meets the needs of you and your family.
You do not have to figure this out alone.
Get Ready for 2027 Open Enrollment.
Covered California Open Enrollment begins November 1, 2026, and ends January 31, 2027.
Whether you are currently uninsured, need to renew your coverage or want to see if another plan may better meet your needs and budget, now is the time to get prepared.
Current Covered California members can begin renewing or changing their plans starting October 1, 2026. To have coverage in place for all of 2027, enroll by December 31, 2026.
CBHN can help you:
Apply for Covered California health insurance
Renew or change your existing health plan
Compare plans, benefits and costs
Find out whether you qualify for financial help
Understand changes that may affect your premiums or eligibility
Apply for Medi-Cal if you are eligible
Understand your options if you lose Medi-Cal or other health coverage
Get answers from a trained Certified Enrollment Counselor
Complete this inquiry form to Get Affordable Health Insurance!
Your Health. Your Coverage. Your Peace of Mind.
What’s Changing for 2027?
Changes in federal health policy — including provisions associated with HR1 — are affecting health insurance affordability, eligibility and enrollment requirements.
The enhanced federal premium tax credits that previously provided additional financial assistance expired at the end of 2025. As a result, some Californians are already paying more for coverage. Additional federal eligibility and administrative changes take effect in 2027.
But financial help is still available.
California has expanded its state subsidy program for 2027. Californians with incomes up to 200% of the federal poverty level may qualify for additional state assistance to reduce their monthly premiums. Covered California estimates that more than 500,000 Californians could receive state subsidies in 2027.
Because premiums, financial assistance and eligibility may be different in 2027, do not assume that the plan you have today will still be your best option next year.
Review your coverage. Update your information. Compare your options. Ask questions before making a decision.
CBHN can help you understand what these changes mean for you.
Life Changed?
You May Not Have to Wait.
Open Enrollment isn’t your only opportunity to get covered.
If you experience a major life change, you may qualify for a Special Enrollment Period, which generally gives you 60 days to enroll or change your health plan.
Qualifying life events may include:
- Losing health coverage through a job or Medi-Cal
- Getting married
- Having or adopting a baby
- Moving
- Turning 26 and aging off a parent’s health plan
- Other significant changes affecting your health coverage
And remember: Medi-Cal enrollment is available year-round for people who qualify.
Start With CBHN.
With health coverage changing, having someone you trust help you understand your options matters.
CBHN has partnered with Covered California for more than a decade to help Californians get connected to health coverage. Our goal isn’t simply to help you enroll. We want you to understand your coverage, know your options and feel empowered to make informed decisions about your health.
Don’t wait until the last minute. Get ready now.
Contact the California Black Health Network at GetCovered@cbhn.info for free enrollment assistance.
Get Covered. Stay Covered. Stay Informed.
Why Choose Covered California?
Covered California is the state’s official health insurance marketplace and the only place where eligible Californians can receive financial help to lower the cost of health insurance.
Plans offered through Covered California provide comprehensive health coverage, including:
- Doctor and specialist visits
- Preventive care and screenings
- Hospital and emergency care
- Prescription medications
- Mental health and substance use services
- Maternity and newborn care
All plans cover essential health benefits and preventive services, and you cannot be denied coverage or charged more because of a pre-existing health condition.
Most importantly, financial help is still available for many Californians. What you qualify for depends on factors such as your household income, family size and eligibility.
New Financial Help for 2027
For 2027, California has expanded its state premium subsidy program to help protect lower-income consumers from rising health insurance costs.
Californians with household incomes up to 200% of the federal poverty level may qualify for additional state assistance to reduce their monthly premiums. Covered California estimates that more than 500,000 Californians could receive state subsidies in 2027.
The amount you pay will depend on your income, household size, where you live, the plan you choose and the financial assistance for which you qualify.
Don’t assume you can’t afford coverage. Find out what is available to you first.
More Changes Are Coming in 2027
New federal policies, including provisions of HR1, are changing some of the rules governing health coverage and financial assistance.
Beginning in 2027:
- Eligibility for financial help will change for some lawfully present immigrants.
- Consumers receiving financial assistance should pay close attention to the household income reported on their application.
- If you receive more premium tax credit assistance than you ultimately qualify for, you may be required to repay the full excess amount when you file your federal taxes.
- Premiums and the amount of financial assistance available may be different from what you received in previous years.
These changes make it especially important to review your information, report income changes, compare plans and understand your costs before choosing coverage for 2027.
CBHN can help.
Our Certified Enrollment Counselors provide free, confidential assistance to help you:
- Understand what has changed
- Update your household and income information
- Determine what financial help you may qualify for
- Compare health plans and costs
- Enroll, renew or change your coverage
- Understand your options if you are transitioning from Medi-Cal
Your health coverage is too important to leave to chance.
Contact CBHN at GetCovered@cbhn.info or call for free enrollment assistance.
Get Covered. Stay Covered. Stay Informed.
