Health Insurance (Covered California) Need Information about health insurance? Inquire Here Coverage Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition. Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan. Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake. Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment. Costs Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans. Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes. Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs. Care Covers Preventive Care at No Cost to You: You may be eligible for recommended preventive health services. No copayment. Protects Your Choice of Doctors: Choose the primary care doctor you want from your plan’s network. Removes Insurance Company Barriers to Emergency Services: You can seek emergency care at a hospital outside of your health plan’s network.