Cancel Covered California

Table of Contents

• General Information
  
  • Covered California Notice Period & Conditions
    
  • What Information Does Covered California Need?
    
  • What Happens After I Cancel My Covered California Insurance Plan?
    
  • Can I Also Contact Covered California Directly?
    
  • Can I Revoke My Insurance Plan Cancellation?
    
  • How Do I Check my Covered California Insurance Plan?
    
  • How Long Does the Insurance Plan Cancellation Process Take?
    
• About Covered California
  
  • What Kind of Insurance Plans Does Covered California Offer?

General Information

Covered California Notice Period & Conditions

Covered California is the state’s official health insurance marketplace. It allows eligible residents to purchase insurance plans and receive federal or state subsidies. Most plans offered through Covered California renew monthly, and users can cancel at any time. However, depending on when and how you cancel, your termination date and premium responsibility can vary.

To avoid being charged for an additional month, it’s important to notify Covered California at least 14 days before the next coverage month begins. For example, if you submit a cancellation request by the 15th of the current month, coverage will generally end on the last day of the current month.

Coverage can be cancelled mid-month only in specific situations—such as starting a new employer-sponsored plan or moving out of California. If you qualify for a special enrollment event, you may also need to cancel your current plan before starting another one. Terminating your coverage does not happen retroactively, so it's important to plan ahead and provide timely notice.

What Information Does Covered California Need?

To cancel your insurance plan, you’ll need to verify your identity and confirm that you are the account holder or an authorized representative. Be ready to provide:

• Your full legal name and date of birth
• Your Covered California account number or application ID
• Your home address and contact phone number
• The exact termination date you are requesting
• Whether you are cancelling for just yourself or your entire household

If you’re canceling due to a change in coverage, such as switching to Medicare or job-based insurance, you may be asked for proof of new coverage. Covered California may also request supporting documents if you’re terminating a family plan but keeping coverage for some household members.

To avoid delays, always use the same personal details used when you originally enrolled in coverage.

What Happens After I Cancel My Covered California Insurance Plan?

After you cancel your Covered California plan, your health coverage remains active through the date you selected, as long as it aligns with the platform’s notice policies. You will continue to receive benefits until the cancellation becomes effective. If you cancel during the coverage month, you may still owe premiums for that entire month unless a qualifying exception applies.

Once your cancellation is processed, you’ll receive a confirmation notice through your Covered California account or by mail. The notice outlines your final date of coverage, your premium status, and any action steps if you qualify for future enrollment options.

After cancellation, your insurer may contact you directly to handle outstanding balances or issue final statements. Be sure to review those communications carefully and keep a copy of your cancellation confirmation for your records.

If you received subsidies (Advanced Premium Tax Credits), these will also stop. You’ll want to keep this in mind during tax season to ensure accurate reporting of healthcare coverage.

Can I Also Contact Covered California Directly?

Yes, you can cancel your plan by contacting Covered California through multiple official channels. The most common method is by logging into your Covered California online account and following the steps under “Manage Coverage.” This option is available 24/7.

You can also cancel by calling the Covered California Service Center. Their trained representatives are available Monday through Friday and can walk you through the process. For language assistance, interpretation services are available in multiple languages.

In-person help is also offered through local enrollment counselors and certified insurance agents. If you signed up with a certified agent or navigator, they can submit your cancellation request for you as long as they are listed on your account.

If you're canceling due to Medicaid eligibility or a change in household income, it's often helpful to speak with a live agent to ensure all transitions are handled correctly.

Can I Revoke My Insurance Plan Cancellation?

Yes, you may be able to reverse a cancellation request, but it depends on your plan’s current status and the timing. If your cancellation has not yet taken effect, contact Covered California as soon as possible and request to withdraw the termination.

If the coverage end date has passed, you’ll need to apply for a new plan through the exchange. Depending on your circumstances, you might be eligible for a special enrollment period. Common qualifying events include losing employer coverage, having a baby, getting married, or moving to a new ZIP code.

It’s always best to act quickly if you’ve changed your mind. Once a plan is terminated and the grace period lapses, reinstatement might not be possible without reapplying under a new enrollment term.

How Do I Check my Covered California Insurance Plan?

To check your current health insurance status, sign in to your Covered California account. You’ll see an overview of your active coverage, premium amounts, subsidy details, and renewal dates.

The “My Coverage” section allows you to view plan documents, contact your insurer, and manage changes. If you’ve submitted a cancellation, the system will show a pending termination date or reflect when coverage ends.

You can also download payment history, view notices, and update communication preferences. For those who prefer help navigating the portal, Covered California offers customer service through their call center and chat support.

Checking your coverage regularly ensures you avoid gaps in healthcare access or billing surprises.

How Long Does the Insurance Plan Cancellation Process Take?

The cancellation process typically takes effect at the end of the month in which you submit your request, provided you meet the required notice period. If you request to cancel by the 15th of the month, termination is generally scheduled for the end of that month. If you request later than that, coverage usually continues into the following month.

Online cancellations may process immediately with confirmation emails sent the same day. Phone cancellations may take one to two business days to reflect on your account, especially during peak enrollment seasons.

Final invoices or premium adjustments will be issued by your insurance carrier, not Covered California directly. Always review any updates sent by both entities.

In cases of overlapping coverage—such as transitioning to Medicare or job-based insurance—it’s important to coordinate timing carefully to avoid a lapse or duplicate billing.

About Covered California

Covered California is the state-run health insurance marketplace created under the Affordable Care Act. It connects Californians to quality, affordable health plans and offers financial help to qualifying households. Through this platform, individuals, families, and small businesses can explore plans from private insurers and access federal and state premium subsidies.

The platform is designed to simplify the process of comparing, enrolling in, and managing health insurance. All plans offered through Covered California meet essential coverage requirements and include preventive care, hospital visits, and prescription drug benefits.

The exchange is overseen by the California Department of Health Care Services and works with major insurers like Kaiser Permanente, Blue Shield of California, Health Net, and Anthem Blue Cross.

What Kind of Insurance Plans Does Covered California Offer?

Covered California offers individual and family health insurance plans through four metal tiers—Bronze, Silver, Gold, and Platinum. These categories reflect how costs are shared between you and your insurer. Bronze plans have lower premiums but higher out-of-pocket costs, while Platinum plans have higher premiums but lower deductibles and copayments.

Specialized plans are available for those under 30 through catastrophic coverage. Covered California also offers dental plans and vision benefits, which can be added separately.

Depending on your household income and size, you may qualify for state or federal subsidies that lower your monthly premium or out-of-pocket costs. Medi-Cal eligibility is also determined through the Covered California application for those within the income guidelines.

Each year, Open Enrollment runs from November through January, but special enrollment periods allow plan changes after certain qualifying events.