No. You can apply directly with Covered California using their online application or you can call Covered California directly and receive the help of a service representative. You can also work with a Certified Insurance Agent to enroll in Covered California or in an off-exchange plan. For some individuals and families with a variety of income sources or self-employed households with fluctuating incomes, it is best to really understand how the application and eligibility process works. In these cases, you may want to consult with an agent familiar with the Covered California online application called CalHEERS (California Healthcare Eligibility, Enrollment, and Retention System)