--- title: "Buy My Health Insurance" description: "Enroll in a health plan that includes Sutter. If you're buying health insurance during open enrollment, choose a plan with access to Sutter's comprehensive healthcare services across Northern California and the Central Coast." url: "https://www.sutterhealth.org/billing-insurance/open-enrollment/covered-ca" --- 1. [Home](https://www.sutterhealth.org/) / 2. [Billing and insurance](https://www.sutterhealth.org/billing-insurance) / 3. [Choose Sutter](https://www.sutterhealth.org/billing-insurance/open-enrollment) / 4. Buy My Health Insurance # I'm Looking for an Individual and Family Plan ![female-doctor-talking-to-male-patient-2100x1576](https://edge.sitecorecloud.io/sutterhealt962c-sutterhealt8fce-production57cc-4860/media/Project/SutterHealth/SutterHealth/Images/medical-doctors/female-doctor-talking-to-male-patient-2100x1576.jpg?h=1576&iar=0&w=2100) ## Care That Fits Your Life At Sutter, we’re expanding access with new care centers, more doctors and cutting-edge technology designed to deliver a more seamless, connected healthcare experience. Individual and Family Plan Open Enrollment Explore your coverage options for purchasing an individual and family plan during the annual open enrollment period from November 1, 2025, through January 31, 2026, with coverage effective in 2026. After January 31, changes can only be made if you experience a qualifying event. Follow these three simple steps to enroll in a plan that includes access to Sutter’s [award-winning](https://www.sutterhealth.org/about-us/awards) doctors and clinicians — a whole team on your team.   ## 1\. Choose a Plan Review your options for purchasing individual and family plans accepted by Sutter. **Sutter Health Plan** Sutter Health Plan is an HMO offering individual and family plans with access to a network of providers committed to providing high-quality, coordinated care, including many Sutter doctors and hospitals. Visit [Sutter Health Plan](https://www.sutterhealthplus.org/individual-family) or call [855-315-5800](tel:+8553155800) to speak with a Customer Service representative.  **Covered California** Covered California connects state residents needing coverage with Medi-Cal and brand-name health insurance companies. Financial aid is available for those who qualify. Visit [Covered California](https://www.coveredca.com/get-started/ "Covered California") or call [800-300-1506](tel:+8003001506) to speak with an enrollment specialist.  Sutter participates in select Anthem Blue Cross EPO and Blue Shield of California individual and family plans available through Covered California. **Search for a Health Plan** Sutter Health contracts with most major insurance carriers. To find a plan that fits your needs, search [accepted plans](https://www.sutterhealth.org/health-plan) or contact a local licensed insurance broker at no cost. ## 2\. Find a Doctor Use our online tool to search for a doctor by specialty, location and more. Once you've selected your doctor, be sure to write down their name — you may need it when you enroll.  [Find Doctor](https://www.sutterhealth.org/find-provider) ## 3\. Complete Your Enrollment Now that you’ve selected your plan and doctor, complete the enrollment application. If you have questions about your coverage, please contact the health plan or [Covered California](https://www.coveredca.com/get-started/ "Covered California"), depending on where you’re purchasing your plan. Frequently Asked Questions **What's the difference between a Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO)?** The main difference between an HMO and a PPO is the network of providers and the referral process. With an HMO, you have access to a select network of providers and must choose a primary care physician (PCP) who provides most of your healthcare, coordinates your care and refers you to specialists. HMO plans often come at a lower cost compared to PPO plans. With a PPO, you have access to a broader network of providers and can self-refer to specialists. While you’re encouraged to stay in-network for cost-saving benefits, you can receive care out-of-network. However, this flexibility often comes with higher premiums and out-of-pocket costs than an HMO To learn more, download the [Understanding Your Health Plan](https://www.sutterhealth.org/-/media/Project/SutterHealth/SutterHealth/PDF/billing-insurance/2024-insurance-guide-web-ada.pdf) guide. **What if my plan doesn't include Sutter?** If you have coverage through your employer, please contact your human resources department to see if they offer plans that include the Sutter network. If you purchase your coverage independently, you can find an individual and family plan that includes Sutter through [Covered California](https://www.coveredca.com/get-started/) or [Sutter Health Plan](https://www.sutterhealthplus.org/individual-family), or contact a local licensed insurance broker at no cost to help you find a plan that fits your needs. If you have questions, call our customer service team at [(833) 980-4141](tel:833-980-4141) weekdays, 7:00 am to 6:00 pm. **Does Sutter accept Medicare Advantage plans?** Yes, Sutter contracts with several Medicare Advantage plans across Northern California and the Central Coast. To find a plan that includes your Sutter doctor: 1. Talk with a licensed insurance agent or broker. If you don’t have one, [complete our form](https://feedback.sutterhealth.org/f/155582/2348/) to have a local agent contact you. Agents can meet in person, by telephone or virtually.   2. [Compare your plan options online](https://ehealth.com/sutterwebsite). Sutter works with eHealth, a licensed insurance agency that can help you compare plans and enroll you in one that works for you. **Where can I find billing and healthcare cost information?** For more general information, visit [our website](https://www.sutterhealth.org/billing-insurance). You’ll find helpful resources about billing and insurance as well as videos, guides and FAQs. For specific healthcare cost information, check out our [cost estimator tool](https://myhealthonline.sutterhealth.org/mho/GuestEstimates/), which estimates common doctor and outpatient services. If you need assistance, call our Cost Estimate Help Line at [866-961-8566](tel:866-961-8566) or refer to our cost and quality [FAQs](https://www.sutterhealth.org/billing-insurance/costs-and-charges) for additional information. **I enrolled in my new health plan. Now what?** If you’re a new Sutter patient, take the time to: 1. Schedule a new patient appointment with your primary care provider to establish a plan of care. 2. [Sign up for My Health Online](https://myhealthonline.sutterhealth.org/mho/signup) (MHO), Sutter’s secure patient portal. With MHO, you can book appointments, message your care team, view test results and much more from your smartphone or online. **How do I transfer my medical records?** To transfer your medical records to Sutter, you'll need to contact your current doctor. ## Exceptional Care Starts Here At Sutter, we deliver exceptional care to every community we serve.  [Learn More About Us](https://www.sutterhealth.org/billing-insurance/open-enrollment) We’re Here to Help ### [Email Us](mailto:employerprogram@sutterhealth.org)  Send us an email at [employerprogram@sutterhealth.org](mailto:employerprogram@sutterhealth.org).  ### [Call Us](tel:18004788837)  Call [800-4SUTTER](tel:18004788837), weekdays: 7:00 am – 6:00 pm. ```json {"@context":"https://schema.org","@type":"MedicalOrganization","name":"Sutter Health","@id":"https://www.sutterhealth.org/#medicalorganization","url":"https://www.sutterhealth.org","logo":"https://www.sutterhealth.org/static/images/sutter-health-logo.svg","address":{"@type":"PostalAddress","streetAddress":"2200 River Plaza Drive","addressLocality":"Sacramento","addressRegion":"CA","postalCode":"95833","addressCountry":"US"},"areaServed":{"@type":"AdministrativeArea","name":"California"},"sameAs":["https://www.facebook.com/SutterHealth","https://www.instagram.com/sutterhealth/","https://x.com/SutterHealth","https://www.youtube.com/sutterhealth","https://www.linkedin.com/company/sutter-health","https://en.wikipedia.org/wiki/Sutter_Health"]} ``` ```json {"@context":"https://schema.org","@type":"WebPage","name":"Buy My Health Insurance","description":"Enroll in a health plan that includes Sutter. 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