Save Money with
Covered California
Lower Insurance Premium
with Tax Credit
Get Financial Assistance
with Covered California
Covered California makes health insurance more affordable for Californians by offering financial help — also called subsidies — to eligible individuals and families. This support comes in the form of:Â
- Premium Tax Credits: Help lower your monthly premium.Â
- Cost-Sharing Reductions (CSRs): Reduce your out-of-pocket costs, like deductibles and copays, if you enroll in a Silver-tier plan.Â
These savings are funded by the federal government and made available through the Affordable Care Act (ACA). You don’t need to apply separately — it’s all part of your Covered California applicationÂ
Covered California uses your Modified Adjusted Gross Income (MAGI) to calculate your savings. This includes:Â
- Income from jobs, freelance work, or self-employmentÂ
- Certain deductions (like student loan interest or IRA contributions)Â
Other key factors include:Â
- Household size – Larger families may qualify with higher incomeÂ
- ZIP code – Plan costs vary by county
- Age – Older adults may get more financial helpÂ
No separate application needed — it’s built into your Covered California application.Â
Mistakes That Can Cost You Money
Underestimating Your Income:
- Estimating too low could reduce your premium now — but trigger a surprise bill later when you file taxes.
Not Updating Life Changes:
- New job? Had a baby? Changes in income or household size must be reported right away to keep your savings accurate.
Choosing Incorrect Tax Filing Status:
- If you're married and file taxes separately, you won’t likely qualify for premium tax credits — even if your income is low.
Missing Renewal Deadlines:
- Every year, you must confirm your eligibility and renew your plan during Covered California Open Enrollment.
We make the process simple and fast
Choosing a healthcare plan can be overwhelming; we simplify the process for you
We customize health coverage to your needs
We tailor your healthcare options to your unique needs and budget
We offer flexible and affordable coverage options
With our carrier network, you have access to a variety of affordable health insurance plans
We are committed to excellence in what we do
We serve our clients with professionalism, integrity and great care
We do the shopping and you do the saving!
As an independent health insurance broker, we represent multiple insurance companies and coverage options.
An insurance company generally offers a commission to Skyline Benefit as an independent broker.Â
You pay the same price for coverage whether you work with Skyline Benefit or buy it on your own. You pay NOTHING for our services.Â
Whether you need a health insurance broker depends on how comfortable you are with health insurance shopping through Covered California. Confusion about health insurance can cost a lot of money and stress.Â
Skyline Benefit wants to be your trusted Covered California advisor when it comes to your healthcare shopping.
Skyline Benefit understands that the confidentiality, integrity and availability of data is vital to our clients.
We have therefore implemented data security procedures. You can refer to our Privacy Policy and Terms of Agreements.