Chinese-Speaking Covered California Certified Insurance Agent
Dongni Chen (Anny) is a licensed health insurance agent and Covered California Certified Insurance Agent who speaks Chinese (Mandarin and Cantonese) and English. She helps California individuals and families compare plans and enroll through Covered California, the state’s own marketplace. Her help costs nothing extra: Covered California says licensed agents are paid by the insurance companies, their help is free to you, and it does not change the price you pay.[1]
Looking for a health insurance broker in Los Angeles or the Bay Area?
For individual and family health coverage, the license in California is an insurance agent license, and Dongni Chen is a licensed agent. Like a broker, she compares plans from several insurance companies rather than selling for one, and her help costs nothing extra.[1]
2027 Open Enrollment in California
How much does Covered California cost?
For a 40-year-old with $30,000 in annual income who qualifies for a subsidy, the estimated Silver premium after subsidies is about $117 a month anywhere in California, including California’s state subsidy. Bronze and Gold depend on where you live:[4][8]
| Area | Bronze | Silver | Gold |
|---|---|---|---|
| Los Angeles | $0 | $117 | $89 |
| San Gabriel Valley | $0 | $117 | $96 |
| San Francisco Bay Area | $0 | $117 | $118 |
| San Jose | $0 | $117 | $102 |
| Orange County / Irvine | $13 | $117 | $135 |
| San Diego | $49 | $117 | $172 |
| Sacramento | $0 | $117 | $135 |
ZIP codes used: Los Angeles 90012; San Gabriel Valley 91776; San Francisco Bay Area 94112; San Jose 95129; Orange County / Irvine 92618; San Diego 92126; Sacramento 95814.
Estimates use 2026 premiums with 2027 subsidy rules, include California’s state subsidy, and will be updated when 2027 premiums are published. A $0 premium does not mean free care: deductibles and copays still apply.
Things to know in California
- State penalty. California still charges a penalty for going without qualifying coverage. For tax year 2025 it is $950 per adult and $475 per child, or 2.5% of income above the filing threshold, whichever is higher.[5]
- State subsidy. In 2027 California adds its own premium help for people with income from 100% to 200% of the poverty level ($31,920 for one person, $66,000 for a family of four) who qualify for federal subsidies. It is already included in the prices above.[3][8]
- Medi-Cal. California’s Medicaid program is Medi-Cal. Adults with lower income are usually screened for Medi-Cal first.[6]
- Immigration status. Starting in 2027, among non-citizens only green card holders and two other small groups can get federal subsidies; H-1B, F-1 and most other visa holders can still enroll at full price.[7]
Areas served in California
Los Angeles & San Gabriel Valley
Dongni helps families in Los Angeles and the San Gabriel Valley, including Alhambra, Arcadia and Rowland Heights. See Chinese-speaking doctors in the San Gabriel Valley and in Los Angeles (in Chinese).
San Francisco Bay Area & San Jose
She also helps in San Francisco, San Jose, Cupertino and Fremont. See Chinese-speaking doctors in the Bay Area (in Chinese).
Irvine & Orange County
Irvine and the rest of Orange County are covered too. See Chinese-speaking doctors in Orange County (in Chinese).
San Diego, Sacramento and the rest of California are served as well. Help is by phone, WeChat and email, so anywhere in California works.
Licensed and verifiable
- Licensed insurance agent Dongni Chen, NPN 20635222.
- California license #4277633, Covered California Certified Insurance Agent. Texas license #3102037. Licensed in 28 states.
This website is owned and maintained by Dongni Chen and is not affiliated with Covered California.
Chinese-language guide: 加州医保怎么买、多少钱（中文）
Contact Dongni
Call (213) 322-8909, add WeChat 咚咚在美国（Anny） by QR code, or email dongnichen001@gmail.com. Mandarin, Cantonese or English is fine.
Also: Houston and Texas · All states
Sources
Sources checked on October 14, 2026. Links open in a new tab. Rules may change; the official sources are final.
- [1] Covered California: Guide to Enrollment Help. “They are paid by the insurance companies but their help is always free to you, and it will not change the price you pay for coverage.”
- [2] Covered California: Open Enrollment. “It lasts from Nov. 1 to Jan. 31.”; “Enroll by Dec. 31 for a health plan that starts Jan. 1.”
- [3] Covered California: Rates and Plans for 2027 (July 21, 2026). “with incomes up to 200 percent of the federal poverty level in 2027”; “($31,920 for an individual or $66,000 for a family of four)”; “runs for three months beginning Nov. 1 and ending Jan. 31, 2027”.
- [4] Estimates use CMS state-based marketplace public use files (2026), IRS Revenue Procedure 2026-26, HHS 2026 poverty guidelines and the CMS default age curve, the same method as the site’s calculator, plus California’s state subsidy [8].
- [5] California Franchise Tax Board: Personal health care mandate. “Pay $950 per adult and $475 per child.”; “Pay 2.5% of the amount of gross income that exceeds the filing threshold requirements”.
- [6] California DHCS: Medi-Cal Resources. “Medi-Cal is California’s Medicaid program.”
- [7] CMS: Guidance on Noncitizen Eligibility for APTC and CSR for Plan Year 2027.
- [8] Covered California: 2027 California Premium Subsidy Program Design (final). Applicable percentage: 0% from 100% up to 150% of the poverty level, 2.8% to 5.28% above 150% up to 200%; the filer must meet “all eligibility requirements of the federal advance premium tax credit”.