Health insurance prices in California (2026)
190 marketplace plans from 11 insurers across 58 counties. Official marketplace: Covered California.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $347–$946 (typical $558) · Silver $392–$1,098 (typical $650) · Gold $442–$1,405 (typical $722) · Platinum $481–$1,990 (typical $900) · Catastrophic $268–$684 (typical $402)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 58) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| L.A. Care Health Plan | 1 | 5 | $347 | $357 | $403 | $455 | Bronze 60 HMO |
| Inland Empire Health Plan | 2 | 5 | $427 | $427 | $465 | $612 | Bronze 60 HMO |
| Molina Healthcare | 6 | 5 | $421 | $440 | $480 | $548 | Bronze 60 HMO |
| Sharp Health Plan | 1 | 9 | $448 | $487 | $529 | $592 | Bronze 60 Performance HMO |
| Ambetter (Centene) | 10 | 61 | $400 | $524 | $581 | $685 | Bronze 60 Ambetter HMO |
| Kaiser Permanente | 33 | 7 | $375 | $496 | $619 | $655 | Bronze 60 HDHP HMO |
| Western Health Advantage | 8 | 10 | $570 | $580 | $621 | $710 | Bronze 60 HMO |
| Valley Health Plan (Santa Clara County)County of Santa Clara | 1 | 5 | $521 | $521 | $652 | $763 | Bronze 60 HMO |
| Chinese Community Health Plan | 2 | 12 | $570 | $595 | $763 | $904 | Bronze 60 HMO |
| Blue Shield of CaliforniaBlue Shield of California (Blue Cross Blue Shield company) | 58 | 60 | $428 | $684 | $782 | $875 | Bronze 60 HDHP PPO |
| Anthem Blue Cross (CA)Elevance Health (Blue Cross Blue Shield company) | 58 | 11 | $419 | $711 | $809 | $1,035 | Bronze 60 HMO |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $347 | $558 | $946 | 33 | $5,800 | $9,800 | $15,619 |
| Silver | $392 | $650 | $1,098 | 45 | $5,200 | $9,800 | $17,602 |
| Gold | $442 | $722 | $1,405 | 46 | $0 | $9,200 | $17,868 |
| Platinum | $481 | $900 | $1,990 | 45 | $0 | $5,000 | $15,805 |
| CatastrophicUnder 30 or hardship exemption only | $268 | $402 | $684 | 21 | $10,600 | $10,600 | $15,428 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in California
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Alameda County | 3 | 22 | $516 | $682 | $777 |
| Alpine County | 2 | 12 | $675 | $679 | $815 |
| Amador County | 3 | 19 | $521 | $677 | $791 |
| Butte County | 2 | 12 | $675 | $679 | $815 |
| Calaveras County | 2 | 12 | $675 | $679 | $815 |
| Colusa County | 2 | 12 | $675 | $679 | $815 |
| Contra Costa County | 3 | 22 | $521 | $700 | $824 |
| Del Norte County | 2 | 12 | $675 | $679 | $815 |
| El Dorado County | 4 | 27 | $507 | $720 | $670 |
| Fresno County | 3 | 21 | $445 | $452 | $563 |
| Glenn County | 2 | 12 | $675 | $679 | $815 |
| Humboldt County | 2 | 12 | $675 | $679 | $815 |
| Imperial County | 5 | 29 | $416 | $602 | $598 |
| Inyo County | 2 | 12 | $716 | $796 | $952 |
| Kern County | 4 | 27 | $400 | $455 | $572 |
| Kings County | 3 | 21 | $445 | $452 | $563 |
| Lake County | 2 | 12 | $675 | $679 | $815 |
| Lassen County | 2 | 12 | $675 | $679 | $815 |
| Los Angeles County | 6 | 52 | $347 | $421 | $484 |
| Madera County | 3 | 18 | $445 | $452 | $559 |
| Marin County | 4 | 27 | $512 | $710 | $786 |
| Mariposa County | 3 | 19 | $466 | $534 | $621 |
| Mendocino County | 2 | 12 | $675 | $679 | $815 |
| Merced County | 2 | 12 | $533 | $635 | $766 |
| Modoc County | 2 | 12 | $675 | $679 | $815 |
| Mono County | 2 | 12 | $716 | $796 | $952 |
| Monterey County | 3 | 22 | $506 | $834 | $960 |
| Napa County | 4 | 24 | $512 | $710 | $735 |
| Nevada County | 2 | 15 | $675 | $679 | $838 |
| Orange County | 5 | 35 | $417 | $512 | $533 |
| Placer County | 5 | 33 | $507 | $614 | $754 |
| Plumas County | 2 | 12 | $675 | $679 | $815 |
| Riverside County | 6 | 40 | $416 | $427 | $508 |
| Sacramento County | 5 | 33 | $507 | $614 | $754 |
| San Benito County | 2 | 12 | $831 | $890 | $1,065 |
| San Bernardino County | 6 | 40 | $416 | $427 | $508 |
| San Diego County | 6 | 44 | $421 | $497 | $544 |
| San Francisco County | 4 | 28 | $564 | $637 | $733 |
| San Joaquin County | 3 | 22 | $466 | $534 | $660 |
| San Luis Obispo County | 2 | 15 | $583 | $695 | $723 |
| San Mateo County | 4 | 28 | $576 | $731 | $792 |
| Santa Barbara County | 2 | 15 | $583 | $695 | $723 |
| Santa Clara County | 4 | 27 | $492 | $719 | $837 |
| Santa Cruz County | 3 | 22 | $506 | $834 | $960 |
| Shasta County | 2 | 12 | $675 | $679 | $815 |
| Sierra County | 2 | 12 | $675 | $679 | $815 |
| Siskiyou County | 2 | 12 | $675 | $679 | $815 |
| Solano County | 4 | 27 | $512 | $710 | $786 |
| Sonoma County | 4 | 24 | $512 | $710 | $735 |
| Stanislaus County | 3 | 22 | $466 | $534 | $660 |
| Sutter County | 3 | 19 | $521 | $677 | $791 |
| Tehama County | 2 | 12 | $675 | $679 | $815 |
| Trinity County | 2 | 12 | $675 | $679 | $815 |
| Tulare County | 3 | 22 | $466 | $534 | $660 |
| Tuolumne County | 2 | 12 | $675 | $679 | $815 |
| Ventura County | 3 | 22 | $501 | $584 | $676 |
| Yolo County | 5 | 33 | $507 | $614 | $754 |
| Yuba County | 3 | 19 | $521 | $677 | $791 |
To compare insurance plans side by side (or with health sharing), open your county.