Financial Help
Premium assistance under American Rescue Plan Act
The Inflation Reduction Act was signed into law by President Biden in August 2022, granting a three-year extension of the American Rescue Plan premium subsidies through 2025. All eligible individuals may receive premium assistance through Covered California and will pay no more than 8.5% of their overall household income on health plan premiums when enrolled in an Enhanced Silver Plan. Many more people are eligible for premium assistance – including many with higher incomes – who were not eligible before the American Rescue Plan Act.
Individuals who recently learned about premium assistance can enroll through Covered California without a qualifying life event.
Get cost estimates
- Get estimates of your costs for medical procedures and services ahead of time.
- Compare costs at different providers to make more informed choices.
Cost-share reductions
You can get premium assistance with any level of coverage if you qualify. Cost-sharing reductions only come with silver-level plans that are called Enhanced Silver.
Both kinds of help are based on your annual household income and family size. And both are available only when you buy health coverage through Covered California.
Paying Less For Coverage (Health Net 101) (duration 1:50)
5 Things to Know – Get Financial Help (PDF)See if you qualify for financial help
Consumers at any income level may be eligible. Find out if you qualify for help paying for health coverage.
Health Net is here for you. Call us at 1-877-878-7983, and we will help you find the coverage level that fits you best.
See if you qualify for financial help
Does your household fit into one of these categories? If yes, you may qualify for financial help from the government. Need help or want more information? Please call us at 1-877-878-7983.
| Federal Poverty Level | Income Range for an individual* | Percent of income you may pay for premium in a Benchmark Silver Plan after Premium Assistance | Eligible Enhanced Silver Plan |
|---|---|---|---|
| 100-150 | $15,060 - $22,590 | 0% | Silver 94 |
| 150-200 | $22,590 - $30,120 | 0% - 2.0% | Silver 87 |
| 200-250 | $30,120 - $37,650 | 2.0% - 4.0% | Silver 73 |
| 250-300 | $37,650 - $45,180 | 4.0% - 6.0% | Silver 73 |
| 300-400 | $45,180 - $60,240 | 6.0% - 8.5% | Silver 73 |
| 400+ | $60,240+ | No more than 8.5% | Silver 73 |
*Eligible income will vary by household size.