Renew your Blue Shield Plan and stay well ahead

Californians are required to be enrolled in and maintain minimum essential coverage throughout the year. This is known as the individual mandate.

In other words, if you do not have health coverage, you may have to pay more in taxes. Staying covered can help you to avoid this tax penalty.

What is the California tax penalty?

California enacted legislation to restore the individual mandate and tax penalty in 2020. Those who choose to go without coverage may be subject to a penalty as part of their annual state tax filing if they have access to affordable coverage within the cost limitations set by the state.

The penalty will be the higher of either a flat amount based on the number of people in the household, or a percentage of the household income.

The California Franchise Tax Board, which administers the state mandate, will assess the penalties for the coverage year when consumers file their taxes. To find out how much your penalty could be, please use the Individual Shared Penalty Estimator tool. We are not tax professionals and cannot provide tax advice. If you need help, please get advice from a professional tax preparer or adviser.

In 2021, a law was passed that increased the dollar amount of premium help available to existing Covered California consumers and provided subsidies to those consumers who may not have qualified before.

The amount of federal premium help (federal advance premium tax credits (APTC), also referred to as subsidies) that Californians can qualify for depends on age, household income and size, and the cost of affordable healthcare coverage in their region. Premium help is available only for medical plans purchased through Covered California.

Use our quick and easy-to-use subsidy eligibility calculator to find out if you might qualify and get an estimate of your potential premium help amount. If you find out you may be eligible, contact your broker or a Blue Shield Customer Care agent to learn about your options. 

If you qualify for a subsidy and you need a 2024 effective date, you can begin your enrollment process into your new plan today. For a plan effective in 2025, open enrollment will begin November 1, 2024.

Whom to contact for help with your plan purchased through Covered California

There are certain situations when you should contact Covered California and other situations when you should contact Blue Shield of California directly. Please review the enrollee contact guidelines to help you understand whom to call when you need help: 

Family Dental Plans available through Covered California

Family Dental Plans are available exclusively through Covered California. With Blue Shield Family Dental PPO and HMO plans, you get a first line of defense for your family's overall health and well-being. From additional pediatric dental benefits for children, to in-network dentist savings to easy, online access to benefits, our Family Dental Plans have something for everyone. Contact your broker to learn more.

Review your Evidence of Coverage (EOC) and other documents to help you learn more about your plan.

Access plan documents.

View the rate increase justification for most individual and family plans.

2025 Rate Disclosures

2025 Rate information for non-grandfathered medical plans (PDF, 247 KB)

Note: Grandfathered medical plans will experience a rate pass (e.g., no premium change) in 2025

Family Dental Plan rate information from Blue Shield of California (PDF, 163 KB)

2024 Rate Disclosures

2024 Rate information for non-grandfathered medical plans (PDF, 222 KB)

2024 Rate information for grandfathered medical plans (PDF, 425 KB)

Note: Family Dental Plans will experience a rate pass (e.g., no premium change) in 2024.

You have access to important documents to keep for your records as you find necessary. You may have received these in the mail in your annual renewal booklet.

If you have any questions, need printed copies, or need translation, please contact the phone number on the back of your subscriber ID card.

Individual and Family Plan notices

Creditable/non-creditable coverage: Notification on whether your medical coverage is “creditable prescription drug coverage” each year. Information includes creditable prescription drug coverage eligibility for your plan.  

Important Notice from Blue Shield of California about Your Prescription Drug Coverage and Medicare:

• Select this notice if you are in a creditable plan.
• Select this notice if you are in a non-creditable plan. Non-creditable plans are: Bronze 7500 Trio HMO, Active Start Plan 35-G, and Balance Plan 2500-G.

Alternative Coverage Notice: Information on lower-cost health coverage options.

Privacy Notice: Learn how your medical information may be used and shared as a Blue Shield member. You can also learn how to access and see your information.

Gramm-Leach Bliley Act Notice of Privacy Practices: Discover how your personal and financial information as a Blue Shield Life policyholder is collected, used, shared, and protected.

Language assistance and nondiscrimination: Notices informing you about nondiscrimination and accessibility requirements (e.g., no-cost language service).

Have other questions regarding renewal or open enrollment? Find your answer in our Frequently Asked Questions.