Medical Bills & Health Insurance Help in California
Whether you are staring at a hospital bill, an EOB you cannot read, or a denial letter, this page collects what is specific to California — Covered California, California's own marketplace, Medi-Cal, and the state rules that shape charity care and appeals — alongside our free tools.
Coverage and enrollment in California
Covered California
California runs its own ACA marketplace instead of HealthCare.gov. Premium tax credits and cost-sharing reductions are available to residents who qualify.
Open enrollment: Nov 1, 2025 – Jan 31, 2026
Visit Covered CaliforniaCalifornia Hospital Fair Pricing Act (AB 774) and AB-72 Surprise Billing Law
Free care is commonly available up to about 400% of the federal poverty level, with sliding-scale discounts up to roughly 400%. Denial appeals are often due within 30 days.
Citation you can quote in a letter: Cal. Health & Safety Code §127400 et seq.
Free help and complaint channels in California
Tools you can use on a California bill
Not sure where to start?
Answer three short questions and we will point you to the right step for your situation in California.