Office of the Patient Advocate - State of California


Office of the Patient Advocate - State of California

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 Home > Know Your Rights > Right to Health Care Coverage

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​Your Right to Health Care Coverage
There are laws that protect people applying for health coverage and health plan members. If you have questions about these rights, look at your plan handbook or contact the agency that oversees your plan.
Your right to buy health coverage

Health plans cannot refuse to cover you or charge you more because you have a health problem or are pregnant.
Plans cannot charge you more because you are a woman.
Plans can only consider your age, geographic region, and family size when determining your monthly premium cost.
Children can stay on their parent’s or guardian’s health plan until age 26.
Plans must accept you if you apply during an open enrollment period or qualify for a special enrollment period. This is known as guaranteed issue.