Moreno Valley has the lowest median age of the eight Inland Empire cities we cover, 32.0 in the 2020 census, so health coverage for working households comes before Medicare. The city is in Riverside County, so plan lists follow Riverside County. Luis Alvarenga compares ACA, life, and Medicare options by phone or video.
What to know about Moreno Valley before you compare coverage
- Moreno Valley is in Riverside County, incorporated December 3, 1984, with 208,634 residents in the 2020 census.
- The median age is 32.0, and 10.1% of residents are 65 or older, about 21,100 people.
- State Route 60 and Interstate 215 serve the city.
- Riverside University Health System Medical Center and a Kaiser Permanente community hospital are in the city.
- Moreno Valley College is here, and March Air Reserve Base is next door.
- Box Springs Mountain carries a large "M" above the city, and the Moreno Valley Mall sits on the former Riverside International Raceway site.
- Luis works from San Bernardino, roughly 12 miles north of Moreno Valley.
ACA subsidies depend on household size and income together
A household that assumes it earns too much for a subsidy may be wrong. Eligibility depends on household size and income together, not a flat income cutoff, so it is worth a real check before you pick a plan. Luis runs your numbers against current subsidy tables at no cost to you.
Covered California's 2027 open enrollment runs November 1 to January 31, and December 31 is the deadline for January 1 coverage. The deadline guide has the details.
Riverside County plans, not San Bernardino County plans
Medicare Advantage and Part D plans are offered by county. Moreno Valley is in Riverside County, while Luis works from San Bernardino County. When you reach Medicare age, he compares the plans he offers in your county of residence, and he says so when an advertised plan is not one of them.
The Annual Enrollment guide shows the dates that matter, and the Medicare Advantage page lists the service area.
Where to start in Moreno Valley
With about 21,100 residents already 65 or older and a much larger group under 40, the conversation here runs on two tracks. Working households can start with ACA health and term life. Older households can start with Medicare.
How Luis works with Moreno Valley clients
Luis Alvarenga is a licensed independent insurance agent (NPN #8756746) based in San Bernardino, roughly 12 miles north of Moreno Valley. A home visit in Moreno Valley means a drive down Interstate 215, and phone or video cover everyone else. Every request gets a reply within 24 hours, and every client gets a free annual policy review for as long as the policy is active.
Frequently asked questions
Which hospitals are in Moreno Valley?
Riverside University Health System Medical Center and a Kaiser Permanente community hospital are in the city. Whether your plan includes a given hospital depends on its network.
Do Moreno Valley residents get Riverside County Medicare plans?
Yes. Medicare Advantage and Part D plans are offered by county, and Moreno Valley is in Riverside County. Luis compares the plans he offers in your county.
When is the deadline for ACA coverage that starts January 1?
December 31, 2026 for Covered California coverage that starts January 1, 2027. Open enrollment continues through January 31, 2027, with coverage starting February 1 if you enroll in January.
Population and age figures are from the 2020 US Census. Distances are straight-line estimates from downtown San Bernardino.