Healthcare
California Health Benefit Exchange
AB 1907 expands Covered California’s automatic enrollment options beginning July 1, 2027, while aligning individual-market enrollment timing with federal rules.
The law is designed to help eligible people move into Exchange coverage when public affordability-program coverage ends or when they apply through the Statewide Automated Welfare System. It also makes federal enrollment-period and coverage-effective-date rules controlling when they conflict with California’s schedule.
What the law does
- Requires the California Health Benefit Exchange to enroll financially eligible applicants upon receiving a complete Statewide Automated Welfare System application or an electronic account from an insurance affordability program.
- Allows the Exchange to place people in the lowest-cost silver plan, a household member’s plan, an eligible Indian’s lowest-cost reduced-cost-sharing plan, or a plan offered by their prior managed care plan.
- Requires enrollment before prior affordability-program coverage ends or upon receipt of a complete Statewide Automated Welfare System application.
- Requires pre-coverage notices explaining the selected plan, alternatives, opt-out rights, appeals information, assistance, and how to activate coverage or opt in when no premium is due.
- Requires health plans and insurers, starting with 2027 policy years, to follow federal annual enrollment and coverage-effective-date rules whenever those rules conflict with California’s schedule.
Who it affects
- Individuals eligible for financial help through Covered California, including people transitioning from insurance affordability programs.
- Households whose members may be placed in the same Exchange plan.
- Eligible Indians entitled to specified reduced cost sharing.
- Health care service plans and health insurers selling individual-market coverage inside or outside Covered California.