Health Insurance Exchanges and LAFPP


As part of the Affordable Care Act (ACA) several states, including California, have set up health insurance exchanges. These exchanges allow those who do not have access to affordable health insurance to purchase individual health insurance plans with standardized benefits.

“Covered California,” California’s health insurance exchange, will begin accepting applications from individuals for health insurance coverage beginning on October 1, 2013. If you are already enrolled in an LAFPP-approved health insurance plan, you are NOT required to sign up for health insurance through Covered California.
LAFPP-approved health insurance plans include those offered by:

  • Los Angeles Fire & Police Pensions (LAFPP)
  • Los Angeles Firemen’s Relief Association (LAFRA)
  • Los Angeles Police Relief Association (LAPRA)
  • United Firefighters of Los Angeles City (UFLAC)

LAFPP-Approved Health Plans Have You Covered!

Beginning in 2014, most people will be required to have health insurance that provides “minimum essential coverage.” Those who do not have health insurance, or who have insurance that does not meet the minimum essential coverage requirement may be assessed a fee when filing their 2014 taxes.

All of the health insurance plans offered by LAFPP, LAFRA, LAPRA and UFLAC meet the minimum essential coverage requirements under healthcare reform. Those who enroll and remain enrolled in plans offered by these organizations will not be subject to the fee levied on uninsured individuals in 2014.

What if you don’t qualify for a health insurance subsidy, or don’t have health insurance?If you are an LAFPP retired member or surviving spouse/domestic partner who does not have health insurance, you may wish to contact one of the organizations above to learn about your insurance options. If you do not qualify for a health subsidy from LAFPP, or you do not currently have health insurance, you may also wish to explore your options through Covered California at


If you have other questions regarding LAFPP health benefits, please call our Medical & Dental Benefits Section at (213) 978-4560 or (800) 787-2489 ext. 84560. Keep checking our website for the latest information on ACA and how it may affect you.