Acton Adelanto Adin Agoura Hills Agua Dulce Ahwahnee Alameda Alamo Albany Albion Alhambra Aliso Viejo Alpine Altadena Alturas Alum Rock Alviso Amador City Amboy American Canyon Anaheim Hills Anaheim Anderson Angels Camp Angelus Oaks Angwin Antioch Apple Hill Apple Valley Applegate Aptos Arcadia Arcata Armona Arnold Arrowbear Lake Arroyo Grande Artesia Arvin Atascadero Atherton Atwater Auburn Avalon Avenal Avery Avila Beach Azusa Badger Baker Bakersfield Baldwin Park Ballard Banning Barstow Bass Lake Bear Valley Beaumont Belden Bell Bell Gardens Bellflower Belmont Belmont Shore Belvedere Ben Lomond Benicia Berkeley Bermuda Dunes Bethel Island Beverly Hills Bieber Big Bar Big Bear Lake Big Pine Big Sur Biggs Bishop Blairsden Bloomington Blue Jay Blue Lake Blythe Bodega Bodega Bay Bolinas Bonita Bonny Doon Bonsall Bootjack Boron Borrego Springs Boulder Creek Boulevard Bradbury Brawley Brea Brentwood Brentwood, Los Angeles Bridgeport Brisbane Broadmoor Broderick Brookdale Brownsville Buck Meadows Buellton Buena Park Burbank Burlingame Burney Buttonwillow Cabazon Calabasas Calexico Caliente California City California Valley Calimesa Calipatria Calistoga Calpine Camarillo Cambria Cambrian Park Camino Campbell Campo Canby Canoga Park Canyon Country Canyon Lake Canyondam Capistrano Beach Capitola Cardiff-by-the-Sea Carlsbad Carmel Valley Village Carmel-by-the-Sea Carmichael Carnelian Bay Carpinteria Carson Casmalia Cassel Castaic Castro Valley Castroville Cathedral City Catheys Valley Cayucos Cazadero Cedarville Central Valley Ceres Cerritos Chatsworth Chester Chicago Park Chico Chinese Camp Chino Chino Hills Chowchilla Chula Vista Citrus Heights Claremont Clayton Clearlake Clearlake Oaks Clio Cloverdale Clovis Coachella Coalinga Coarsegold Cobb Coleville Colfax Colma Coloma Colton Columbia Colusa Commerce Compton Concord Cool Corcoran Corning Corona Corona del Mar Coronado  Corte Madera Costa Mesa Cotati Coto de Caza Cottonwood Coulterville Covelo Covina Crescent City Crescent Mills Crestline Cromberg Crowley Lake Cudahy Culver City Cupertino Cuyama Cypress Daly City Dana Point Danville Dardanelle Davenport Davis Death Valley Del Mar Del Rey Oaks Delano Desert Hot Springs Diamond Bar Dinuba Dixon Dorris Dos Palos Douglas City Downey Downieville Doyle Drytown Duarte Dublin Duncans Mills Dunlap Dunnigan Dunsmuir Earp East Los Angeles East Palo Alto Eastvale El Cajon El Centro El Cerrito El Cerrito, San Diego El Dorado Hills El Granada El Monte El Portal El Segundo Elk Elk Grove Emeryville Emigrant Gap Encinitas Encino Escalon Escondido Etna Eureka Exeter Fair Oaks Fairfax Fairfield Fall River Mills Fallbrook Farmersville Fawnskin Felton Ferndale Fields Landing Fillmore Firebaugh Fish Camp Florence-Graham Folsom Fontana Foresta Foresthill Fort Bidwell Fort Bragg Fort Jones Fortuna Foster City Fountain Valley Fowler Frazier Park Freestone Fremont Fresno Fullerton Galt Garberville Garden Grove Garden Valley Gardena Gasquet Gazelle Georgetown Geyserville Gilroy Glassel Park Glendale Glendora Glenhaven Goleta Gonzales Gorman Graeagle Granada Hills Grand Terrace Grass Valley Green Leaf Greenfield Greenville Gridley Groveland Grover Beach Guadalupe Gualala Guerneville Gustine Hacienda Heights Halcyon Half Moon Bay Hanford Happy Camp Harbor City Hardwick Harmony Hat Creek Hawaiian Gardens Hawthorne Hayfork Hayward Healdsburg Helena Helendale Hemet Hercules Hermosa Beach Hesperia Hidden Hills Highland Highland Park Hillsborough Hollister Hollywood Holtville Home Garden Homeland Homewood Hoopa Hope Ranch Hope Valley Hopland Hornitos Horse Creek Hughson Humboldt Huntington Beach Huntington Park Huron Hydesville Idyllwild Imperial Imperial Beach Independence Indian Wells Indio Inglewood Inverness Inyokern Ione Irvine Irwindale Isla Vista Isleton Jackson Jacumba Jamestown Jenner Johannesburg Joshua Tree Julian Junction City June Lake Kelseyville Kentfield Kenwood Kerman Kernville Kettleman City Keyes King City Kings Beach Kings Canyon National Park Kingsburg Kirkwood Klamath Klamath River Kyburz La Cañada Flintridge La Crescenta La Habra La Habra Heights La Honda La Jolla La Mesa La Mirada La Palma La Puente La Quinta La Selva Beach La Verne Lafayette Laguna Beach Laguna Hills Laguna Niguel Laguna Woods Lake Almanor Lake Arrowhead Lake Elizabeth Lake Elsinore Lake Forest Lake Hughes Lake Isabella Lake Los Angeles Lakehead Lakeport Lakeshore Lakewood Lancaster Landers Larkspur Lathrop Lawndale Laytonville Lebec Lee Vining Leucadia Leggett Lemon Cove Lemon Grove Lemoore Lennox Leona Valley Lewiston Lincoln Linda Mar Lindsay Littleriver Littlerock Live Oak Livermore Livingston Llano Lodi Loma Linda Loma Mar Lomita Lompoc Lone Pine Long Barn Long Beach Loomis Los Alamitos Los Alamos Los Altos Los Altos Hills Los Angeles Los Banos Los Gatos Los Olivos Los Osos Lotus Loyalton Lucerne Lucerne Valley Ludlow Lynwood Madera Malibu Mammoth Lakes Manchester Manhattan Beach Manteca Maricopa Marina Marina del Rey Mariposa Markleeville Martinez Marysville Maywood McClellan AFB McCloud McFarland McKinleyville McKittrick Meadow Valley Meadow Vista Mendocino Mendota Menifee Menlo Park Merced Mi-Wuk Village Middletown Midpines Mill Creek Mill Valley Millbrae Milpitas Mineral Miramonte Miranda Mission Viejo Modesto Mojave Mokelumne Hill Monrovia Montague Montara Montclair Monte Rio Monte Sereno Montebello Montecito Monterey Monterey Park Moorpark Moraga Moreno Valley Morgan Hill  Morro Bay Moss Beach Mount Shasta Mountain Mesa Mountain View Mt Baldy Murphys Murrieta Myers Flat Napa National City Natomas Needles Nevada City New Cuyama Newark Newbury Park Newhall Newman Newport Beach Nice Niland Nipomo Norco North Edwards North Fork North Highlands North Hollywood Northridge Norwalk Novato Oak View Oakdale Oakhurst Oakland Oakley Occidental Oceanside Ocotillo Ojai Olancha Old Station Olema Olivenhain Olympic Valley Ontario Orange Orange Cove Orangevale Orcutt Orick Orinda Orland Orleans Orosi Oroville Oxnard Pacific Grove Pacifica Pacoima Palm Desert Palm Springs Palmdale Palo Alto Palos Verdes Estates Panorama City Paradise Paramount Parker Dam Parlier Pasadena Paso Robles (el Paso de Robles) Patterson Pearblossom Pebble Beach Perris Pescadero Petaluma Petrolia Phelan Phillipsville Philo Pico Rivera Piedmont Piercy Pilot Hill Pine Grove Pine Valley Pinecrest Pinedale Pinole Pioneer Pioneertown Piru Pismo Beach Pittsburg Pixley Placentia Placerville Platina Playa del Rey Pleasant Hill Pleasanton Plymouth Point Arena Point Reyes Station Pollock Pines Pomona Port Costa Port Hueneme Porterville Portola Portola Valley Poway Princeton by the Sea Project City Quartz Hill Ramona Rancho Bernardo Rancho Cordova Rancho Cucamonga Rancho Mirage Rancho Palos Verdes Rancho Santa Fe Rancho Santa Margarita Randsburg Ravendale Red Bluff Redcrest Redding Redlands Redondo Beach Redway Redwood City Redwood Estates Redwood Shores Reedley Reseda Rialto Richmond Ridgecrest Rio Dell Rio Vista Ripon Riverbank Riverside Rocklin Rohnert Park Rolling Hills Rolling Hills Estates Rosamond Rosemead Roseville Ross Rough and Ready Round Mountain Rowland Heights Running Springs Rutherford Ryde Sacramento Salida Salinas San Andreas San Anselmo San Bernardino San Bruno San Carlos San Clemente San Diego San Dimas San Fernando San Francisco San Gabriel San Jacinto San Joaquin San Jose San Juan Bautista San Juan Capistrano San Leandro San Luis Obispo San Marcos San Marino San Martin San Mateo San Miguel San Pablo San Pedro San Rafael San Ramon San Simeon San Ysidro Sand City Sanger Santa Ana Santa Barbara Santa Clara Santa Clarita Santa Cruz Santa Fe Springs Santa Maria Santa Monica Santa Paula Santa Rosa Santa Ynez Santa Ysabel Santee Saratoga Saugus Sausalito Scotia Scotts Valley Seal Beach Seaside Sebastopol Selma Sepulveda Shafter Shasta Lake Shaver Lake Shell Beach Sherman Oaks Shoshone Sierra City Sierra Madre Sierraville Signal Hill Silverado Simi Valley Sky Londa Smith River Soda Springs Solana Beach Soledad Solvang Sonoma Sonora South El Monte South Gate South Laguna South Lake Tahoe South Pasadena South San Francisco South San Jose Hills South Whittier Springville Squaw Valley St. Helena Stanton tinson Beach Stirling City Stockton Stratford Strawberry Strawberry Valley Stronghold Studio City Sugarloaf Suisun City Sultana Summerland Sun City Sun Valley Sunland Sunnyvale Sunset Beach Susanville Sutter Creek Sylmar Taft Tahoe City Tahoe Vista Tahoma Tarzana Tecate Tecopa Tehachapi Tehama Temecula Temple City Templeton The Sea Ranch Thermal Thousand Oaks Thousand Palms Three Rivers Tiburon Tomales Torrance Trabuco Canyon Tracy Trinidad Trinity Center Trona Truckee Tujunga Tulare Tulelake Turlock Tustin Twain Twain Harte Twentynine Palms Twin Bridges Twin Peaks Two Harbors Ukiah Union City Upland Upper Lake Vacaville Valencia Vallejo Valley Center Valley Ford Valley Springs Valyermo Van Nuys Venice Ventura Vernon Victorville Villa Park Visalia Vista Volcano Wallows Walnut Walnut Creek Walnut Grove Warner Springs Wasco Washington Waterford Watsonville Wawona Weaverville Weed Weimar Weott West Covina West Hollywood West Sacramento Westlake Village Westminster Westmorland Westport Westwood Wheatland Whitethorn Whittier Williams Willits Willow Creek Willows Wilmington Windsor Winterhaven Winters Wofford Heights Woodlake Woodland Woodland Hills Woodside Wrightwood Yermo Yorba Linda Yosemite National Park Yountville Yreka Yuba City Yucaipa Yucca Valley Zamora Zenia
 
David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999-2017  by David Fluker - David Fluker Insurance Services. All Rights Reserved.
ObamaCare Qualifying Life Events & Special Enrollment Periods in CA
Qualifying Life Events Triggering Special Enrollment Period (SEP)

Lost or will soon lose my health insurance
Examples:

You lose Medi-Cal coverage.
You lose your employer-sponsored coverage.
Your COBRA coverage is exhausted. Note: Not paying your COBRA premium is not considered loss of coverage.
You are no longer eligible for student health coverage.
You turn 26 years old and are no longer eligible for a parent’s plan.
You turn 19 years old and are no longer eligible for a child-only plan.


Permanently moved to/within California
Examples:

You move to California from out of state.
You move within California and gain access to at least one new Covered California health insurance plan.


Had a baby or adopted a child
(If you receive a child in foster care, you will also qualify for a special enrollment period but will need to indicate "adopted a child" in the drop-down menu.)
Examples:

A child is born, adopted or received into foster care. The entire family can use the special enrollment period to enroll in coverage.
If you place your child for adoption or foster care, you can use a special enrollment period to enroll in coverage.


Got married or entered into domestic partnership
Example:

One or both members of the new couple can use the special enrollment period to enroll in coverage.


Legal Separation, Divorce or Dissolution of a Domestic Partnership


Returned from active duty military service
Example:

You have lost coverage after leaving active duty, reserve duty, or the California National Guard.


Released from jail or prison


Gained citizenship/lawful presence
Example:

You become a citizen, national, or permanent legal resident.


Federally Recognized American Indian/Alaska Native
Example:

If you are a member of a federally recognized American Indian tribe, you can enroll at any time and change plans once per month.


Other qualifying life event
Examples:

You are already enrolled in a Covered California plan and become newly eligible or ineligible for tax credits or cost-sharing reductions.

You are already enrolled in a Covered California plan and you lose a dependent or lose your status as a dependent due to divorce, legal separation, dissolution of domestic partnership, or death.

Misconduct or misinformation occurred during your enrollment, including:
An agent, certified enroller, Service Center representative or other authorized representative enrolled you in a plan that you did not want to enroll in, failed to enroll you in any plan or failed to calculate premium assistance for which you were eligible.

Misrepresentation or erroneous enrollment, including:
Incorrect eligibility determination. This includes if you applied during open enrollment and were initially told you were eligible for Medi-Cal and then later determined not to be eligible for Medi-Cal.
The health plan did not receive your information due to technical issues.

An error in processing your verification documents resulted in an incorrect eligibility result.
Incorrect plan data were displayed when you selected a plan: Data errors on premiums, benefits or copay/deductibles were displayed; incorrect plans were displayed; or a family could not enroll together in a single plan.

Your health plan violated its contract.

Exceptional circumstances occurred on or around plan selection deadlines, including natural disasters and medical emergencies.

You received a certificate of exemption for hardship from Health and Human Services for a month or months during the coverage year but lost eligibility for the hardship exemption outside of an open enrollment period.

You and your dependents, if any, are victims of domestic abuse or spousal abandonment (please select "Other qualifying life event" in the drop-down menu and "Single" or "Head of Household" in the "Personal Data-Tax Information" section of the application).

You are required by court order to provide health insurance for a child who was been determined ineligible for Medi-Cal and CHIP, even if you are not the party who  expects to claim the child as a tax dependent.

You lose “share of cost” Medi-Cal coverage by reaching your share of cost.

You are a member of AmeriCorps/VISTA/National Civilian Community Corps: 
If you entered AmeriCorps or one of the other organizations listed above outside of open enrollment.

If you ended your service with one of the organizations listed above.

You have a non-calendar year health plan (including “grandfathered” and “non-grandfathered” health insurance plan) outside of Covered California that has expired or will soon expire, and you would like to switch to a Covered California health insurance plan instead of renewing your current plan.

Your provider left the health plan network while you were receiving care for one of the following conditions:
Pregnancy
Terminal illness
An acute condition
A serious chronic condition
The care of a newborn child between birth and age 36 months
A surgery or other procedure that will occur within 180 days of the termination or start date.

None of the above (Continue to review my application for Medi-Cal/Medi-Cal Access Program)
If none of these qualifying life events apply, you should still apply using "None of the above," because you may be eligible for Medi-Cal or the Medi-Cal Access Program (MCAP) for pregnant women based on your income. Regardless of which life event you select, your application will still be reviewed for coverage through Medi-Cal and MCAP.
MAGI Medi-Cal (Medicaid) for California Low-Income Residents
Gilroy, California - Serving California Residents Since 1995  California License 0B58920
This web site is owned and maintained by David Fluker Insurance Services, which is solely responsible for it's content.  The site is not maintained by nor affiliated with Covered California, and Covered California bears no responsibility for it's content.  The e-mail addresses and telephone numbers that appear throughout the site belong to David Fluker Insurance Services and cannot be used to contact Covered California.
 
For individuals & families who missed open enrollment and do no have a Life Qualifying Event (as listed below), there are other options for coverage.
Medi-Cal (California Medicaid) is available year-round to those whose incomes qualify for enrollment (below 138% Federal Poverty Level).  I can help you enroll in MAGI Medi-Cal anytime during the year if you are income-eligible!



MRMIP* (CA Major Risk Medical Insurance Program) has no waiting list and requires a denial letter along with the application for enrollment.  Known colloquially as "mister mip" the program offers a PPO from Anthem Blue Cross and HMO from Kaiser Permanente.  I can help you enroll and generate the denial letter for eligibility.  10th of the month cutoff for 1st of the next month start dates!
(*Note: MRMIP may be eliminated under Gov. Brown's 2017-18 Budget)



Short-Term Health Insurance for those who qualify (these plans are subject to medical underwriting).  Up to three months coverage (as of 4/1/17 per HHS).
MRMIP Major Risk Program for California Residents
David Fluker    California Health Insurance
Contact | About Us | Testimonials | Privacy
800-509-0659
Find us on Twitter
Find us on Facebook
Anthem   Blue Shield   Kaiser   Valley Health   Health Net   GeoBlue Global