Covered California Health Insurance in Santa Ana — 2025 Update

Certified Enrollment Center • Free Help Applying for Coverage • Walk-ins Welcome

Why It Matters

Health insurance can be confusing — but it doesn’t have to be.
At Mural Insurance Agency Inc., we’re a Certified Covered California Enrollment Center serving Santa Ana and Orange County.
We help individuals, families, and small-business owners compare plans, understand subsidies, and enroll in coverage that fits both your health needs and your budget.

We also offer bilingual support (English & Spanish) and free one-on-one consultations — in person or by phone.

🌟 What’s New for 2025

• Average premium change: Covered California’s weighted average increase for 2025 individual market plans is about 7.9%, due to adjustments by participating carriers.
• Expanded state cost-sharing reductions: Many Californians will qualify for lower deductibles and out-of-pocket costs.
• More dental options: 2025 introduces new dental plan carriers and expanded family coverage options.
• Enrollment window: November 1, 2024 – January 31, 2025 (for 2025 coverage).
• Federal subsidies remain strong: Enhanced premium assistance continues through 2025, keeping monthly payments low for many households.

🗓 If you miss Open Enrollment, you may still qualify through a Special Enrollment Period (SEP) after certain life events — marriage, birth, move, or loss of coverage.

🩺 How to Get Covered in 4 Simple Steps

1️⃣ Consultation

Bring basic information about your household — income, number of dependents, and current coverage (if any).
We’ll help identify which plans and subsidies you’re eligible for.

2️⃣ Compare Plans

We review multiple insurance carriers and explain the differences in premiums, deductibles, co-pays, and provider networks.
For 2025, many Silver-tier plans offer better cost-sharing than in previous years.

3️⃣ Choose & Enroll

Once you choose a plan, we’ll guide you through the application.
Coverage starts as soon as January 1, 2025 if you enroll by December 31.

4️⃣ Ongoing Service

Our team stays with you after enrollment.
Need to update your income, add a family member, or renew your plan?
We’re here all year — not just during Open Enrollment.

❓ Frequently Asked Questions

Q1: What coverage do I need to meet California’s health-insurance requirement?
California law requires residents to have a qualified health plan or another form of minimum essential coverage (like Medi-Cal or employer coverage).

Q2: How do subsidies work?
Subsidies are based on household income and family size.
Covered California applies them automatically to lower your monthly premiums — and in 2025, more people qualify for enhanced cost-sharing.

Q3: Can I get help if I’m self-employed?
Yes! Covered California is ideal for freelancers, small-business owners, or anyone without employer-provided insurance.
Bring your estimated annual income, and we’ll help calculate your tax credit.

Q4: What happens if my income changes?
You can update your income anytime during the year.
This helps you stay compliant and ensures your subsidy stays accurate.

📞 Ready to Get Started?

Why Work With Mural Insurance Agency Inc.?

✅ Local, bilingual agents — right here in Santa Ana
✅ Certified Covered California Enrollment Center
✅ Access to multiple top insurance carriers
✅ Help with renewals, changes, and claims questions
✅ Personalized service — no call centers, no confusion

“Nearly 2 million Californians selected or renewed a plan for 2025 through Covered California — a record-breaking year.”

🗂 Documents to Have Ready

• Driver’s license or photo ID
• Social Security number or Individual Taxpayer ID Number
• Most recent tax return or proof of income
• Proof of address or residency
• Current insurance card (if you already have coverage)

Whether you’re renewing a plan or applying for the first time, our friendly team will make the process simple and stress-free.

Visit us in Santa Ana or call (714) 541-1003 to start your 2025 Covered California application today!