Covered California Insurance Companies

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Guide to Covered California’s Leading Health Insurance Providers

Aetna CVS health

  • History: Aetna, now part of CVS Health, has a storied history dating back to 1853. With its integration into CVS Health, it has reinforced its position as a healthcare powerhouse. This merger symbolizes a new era in healthcare delivery, combining Aetna’s extensive experience in health insurance with CVS Health’s innovation in healthcare services.
  • Specializations: Aetna CVS Health is known for offering a wide range of health insurance products and related services, including medical, pharmacy, dental, behavioral health, and long-term care plans. They have a strong focus on creating a more accessible, simplified healthcare experience, leveraging CVS Health’s expansive network of retail locations and healthcare services.
  • Unique Selling Points: The unique selling point of Aetna CVS Health is its pioneering vision of bringing health care closer to home. Through the integration with CVS Health, Aetna offers an unprecedented level of convenience, with walk-in clinics and a range of health services available at CVS Pharmacy locations. This accessibility, combined with Aetna’s robust health insurance options, positions them uniquely in the market to provide comprehensive health services in more consumer-friendly settings.

Anthem Blue Cross

  • History: Anthem Blue Cross, part of the larger Anthem Inc., has been a prominent figure in California’s healthcare scene since its inception. With decades of experience, Anthem Blue Cross has been committed to improving lives and communities and simplifying the healthcare experience.
  • Specializations: Anthem Blue Cross offers an extensive array of health insurance options, including individual and family plans, Medicare plans, employer-sponsored insurance, and Medi-Cal. Their focus spans from preventive care and wellness programs to complex healthcare management, catering to a diverse range of healthcare needs.
  • Unique Selling Points: Anthem Blue Cross distinguishes itself through its innovative health management programs and digital health tools designed to promote wellness and preventive care. Their emphasis on technology-driven solutions, like telehealth services and personalized health apps, enhances member experience and accessibility. Additionally, their vast network of healthcare providers ensures comprehensive coverage and high-quality care for their members.

Blue Shield of California

  • History: Founded in 1939, Blue Shield of California has established a strong reputation for excellence in healthcare coverage. Originating in San Francisco, they have been integral to California’s healthcare landscape for over 80 years, constantly adapting to meet the evolving needs of Californians.
  • Specializations: Blue Shield of California is renowned for their comprehensive family health plans. They offer a diverse range of options, including individual and family plans, Medicare coverage, and employer health plans. Their focus on inclusive health services caters to a wide demographic, ensuring healthcare needs are met across different life stages and circumstances.
  • Unique Selling Points: Blue Shield of California stands out with its commitment to high-quality customer service and innovative health programs. They boast a wide network of doctors and healthcare facilities, ensuring members have access to top-notch medical care. Additionally, their initiatives in digital health services and preventive care programs demonstrate their forward-thinking approach to healthcare.

CCHP Health Plan

  • History: CCHP Health Plan, established by the Chinese Hospital Association in 1986, has been an integral part of San Francisco’s healthcare community for over 35 years. Originating with a mission to serve the Chinese-American community in San Francisco, CCHP has since expanded its services to a broader audience, maintaining its core values of community-centered care.

  • Specializations: CCHP Health Plan offers a variety of health insurance options, including individual and family plans, Medicare Advantage, and small business plans. They are particularly noted for their culturally sensitive approach to healthcare, providing services and support tailored to the unique needs of the diverse populations in the San Francisco area.

  • Unique Selling Points: CCHP Health Plan’s unique strength lies in its deep roots in the community and its commitment to culturally competent care. They offer bilingual services and culturally relevant health programs, ensuring accessible and personalized care for their members. Additionally, CCHP’s close association with the Chinese Hospital and local clinics provides members with a cohesive and integrated healthcare experience.

Health net

  • History: Health Net, established in 1979, has been a dynamic presence in California’s healthcare sector for over four decades. Based in Los Angeles, Health Net has grown to become one of the state’s leading health insurance providers, dedicated to transforming the health of the community, one person at a time.

  • Specializations: Health Net specializes in providing a wide spectrum of health insurance plans, including individual and family plans, Medicare Advantage plans, Medi-Cal, and employer-sponsored plans. They are particularly noted for their focus on underserved communities, offering tailored plans that address the unique needs of diverse populations.

  • Unique Selling Points: Health Net stands out for its commitment to affordable, quality healthcare for all Californians. They offer comprehensive wellness programs and resources, including mental health services and health education. Health Net’s extensive provider network, combined with their initiatives in community health, underscores their dedication to accessible and inclusive healthcare.

Kaiser Permanente

  • History: Kaiser Permanente, founded in 1945, has long been a pillar of innovation and excellence in healthcare. With its roots in Oakland, California, it has been a significant player in the state’s healthcare sector for over 75 years, continually evolving and expanding its services to meet the changing healthcare needs of Californians.
  • Specializations: Kaiser Permanente is celebrated for its integrated approach to healthcare and coverage. They provide a unique model that combines both care and coverage, offering a range of services from preventive care to specialized treatments. This approach ensures a seamless healthcare experience for individuals, families, and businesses, fostering a holistic health environment.
  • Unique Selling Points: Kaiser Permanente’s standout feature is its comprehensive, coordinated care system, facilitated by an extensive network of physicians, hospitals, and medical facilities. This integrated model promotes efficiency and high-quality care, making them a leader in preventive health and patient-centered care. Their emphasis on research and health education further cements their role as a forward-thinking, proactive health provider in California.

L.A. Care Health Plan

  • History: L.A. Care Health Plan, established in 1997, is a public agency dedicated to providing health care services to the residents of Los Angeles County. As the nation’s largest publicly operated health plan, L.A. Care has been a trailblazer in offering accessible and affordable healthcare for over two decades.
  • Specializations: This health plan specializes in offering a range of coverage options, including Medi-Cal, L.A. Care Covered™ (part of Covered California), L.A. Care Cal MediConnect Plan, and PASC-SEIU Homecare Workers Health Care Plan. Their focus is on serving low-income individuals, families, and the underserved communities in Los Angeles County.
  • Unique Selling Points: L.A. Care Health Plan stands out for its commitment to the community and public health. They are known for their robust network of community-based providers and clinics, ensuring widespread access to healthcare services. Furthermore, their initiatives in health education, prevention programs, and community wellness projects underscore their dedication to improving the overall health of Los Angeles County residents.


  • History: Molina Healthcare, founded in 1980 by Dr. C. David Molina in Long Beach, California, began as a small clinic with the mission of providing accessible healthcare to the underserved and low-income families. Over the years, it has grown into one of the most influential healthcare organizations in the United States, maintaining its commitment to quality and affordable healthcare.

  • Specializations: Molina Healthcare specializes in providing government-funded care for individuals and families, focusing on Medicaid, Medicare, and Marketplace insurance plans. They are recognized for their tailored approach to healthcare, ensuring that vulnerable populations receive the care they need.

  • Unique Selling Points: The hallmark of Molina Healthcare is its patient-centered approach, deeply rooted in its origins as a community clinic. This approach includes providing culturally competent services and creating strong community ties. Additionally, Molina’s innovative use of technology to improve patient care and accessibility sets it apart, ensuring that members receive efficient and effective healthcare services.


  • History: Oscar Health, founded in 2012, is a relatively new entrant in the healthcare industry but has quickly made a significant impact with its innovative approach. Based in New York, Oscar Health was established with the mission to simplify health insurance and make healthcare more accessible.

  • Specializations: Oscar Health is known for its focus on technology-driven solutions to healthcare. They offer individual and family plans, including options under Covered California. Their offerings are designed to be user-friendly, with a strong emphasis on digital health services like telemedicine and easy-to-use mobile apps for health management.

  • Unique Selling Points: Oscar Health stands out for its modern approach to health insurance. They integrate technology at every step, offering features like 24/7 virtual doctor visits and a streamlined, intuitive user interface for members. Oscar’s commitment to customer experience, with clear communication and personalized care options, sets them apart in the healthcare insurance sector.


  • History: Sharp Health Plan, part of Sharp HealthCare, has been a key player in California’s healthcare sector since its inception in 1992. As a not-for-profit organization based in San Diego, Sharp Health Plan is deeply rooted in its mission to offer comprehensive, quality healthcare services.

  • Specializations: Sharp Health Plan provides a variety of health insurance options, including individual and family plans, group plans, and Medicare options. They are particularly known for their integration with the Sharp HealthCare system, ensuring seamless access to a broad network of hospitals, medical facilities, and specialized healthcare services.

  • Unique Selling Points: Sharp Health Plan’s unique advantage lies in its local focus and commitment to personalized care. Being part of the larger Sharp HealthCare system, they offer members coordinated and comprehensive healthcare solutions. Their emphasis on preventive care, wellness programs, and member-centric services demonstrates a holistic approach to health and wellbeing.

Valley health Plan

  • History: Valley Health Plan, established in 1985, is the only locally based health plan in Santa Clara County. As a public, not-for-profit plan, they have been committed to providing high-quality, affordable healthcare services to the residents of the county for over three decades.

  • Specializations: Valley Health Plan offers a range of health insurance options, including individual and family plans, employer group plans, and Covered California plans. They are particularly recognized for their emphasis on community health and wellness, providing accessible healthcare services tailored to the diverse needs of the local population.

  • Unique Selling Points: Valley Health Plan’s strength lies in its deep community roots and focus on local healthcare needs. They stand out for their personalized member services and a strong network of providers, ensuring that members receive not just healthcare coverage, but comprehensive healthcare support. Their commitment to preventive care and community wellness initiatives reflects their dedication to improving the overall health of Santa Clara County residents.

Western Health Advantage

  • History: Western Health Advantage, founded in 1996, is a regional health plan based in Northern California. Created through a partnership among several healthcare systems, it’s built on a foundation of community-oriented healthcare provision. Over the years, it has grown to serve a wide area, maintaining its commitment to local, quality care.

  • Specializations: Western Health Advantage specializes in providing a variety of health insurance plans, including individual and family plans, small business plans, and options for large employers. They are known for their focus on flexibility and choice, allowing members to access a broad network of hospitals and doctors.

  • Unique Selling Points: Western Health Advantage’s unique selling point is its regional focus combined with a broad network of providers. They emphasize a personal approach to healthcare, with a strong customer service ethos. Their partnerships with local hospitals and healthcare providers ensure that members receive not only comprehensive coverage but also high-quality, coordinated care.

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