Can individuals enroll directly online without a Certified Insurance Agent?

Yes.

Does moving into the State qualify as a qualifying event?

Yes.

Can members of the same family be on different plans and metal tiers?

Yes, however, currently the system will only allow one member of the family to get the premium assistance in advance. The other members of the family would have to receive the premium assistance at the end of the year when filing taxes.

What happens to someone who has a qualifying event outside of the special enrollment period, will he/she get coverage November 1st or December 1st?

See the table with coverage effective dates for qualifying events on page 6 of the Eligibility for Individuals and Families participant guide.

On Covered CA it states a person may not get GI if the person misses the October-March enrollment period, please explain.

Covered California applicants should apply during open enrollment, which is the period of time that usually happens once a year when consumers may select a health plan and enroll. However, certain qualifying events allow consumers to apply for coverage during special enrollment periods. For a list of qualifying events see page 6 of the Eligibility for Individuals and Families participant guide.

If an insured signs up after 1/1 is the insurance retroactive?

See enrollment and effective dates in the tables on pages 5-7 of the Eligibility for Individuals and Families participant guide.

What is considered loss of minimum essential coverage?

See the table on page 8 of the Introduction to the Affordable Care Act participant guide for examples of minimum essential coverage.

Loss of any of these coverage options would be considered loss of minimum essential coverage.

Will exhausting COBRA be considered a qualifying event to enroll under a special enrollment period?

Individuals that lose Minimum Essential Coverage, including COBRA coverage, will qualify for a special enrollment period.

Will Covered CA paper applications be available in English & Spanish?

Yes.

My son is 24 years old and my daughter is 21 years old. They are both in college. Can I buy a Covered California family health plan?

Yes, if you meet the eligibility requirements.  See pages 12-13 in the Eligibility for Individuals and Families participant guide.