Health insurance prices in Monterey County, CA (2026)
22 marketplace plans from 3 insurers. Cheapest plan $506/mo; typical Silver $960/mo. Official marketplace: Covered California (enter your ZIP for your real price and tax credit).
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). Rating Area 9.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $506–$946 (typical $834) · Silver $636–$1,098 (typical $960) · Gold $654–$1,405 (typical $990) · Platinum $774–$1,990 (typical $1,424) · Catastrophic $363–$684 (typical $613)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Kaiser Permanente | 7 | $506 | $513 | $636 | $687 | Bronze 60 HDHP HMO | |
| Blue Shield of CaliforniaBlue Shield of California (Blue Cross Blue Shield company) | 9 | $831 | $834 | $960 | $1,118 | Bronze 60 HDHP PPO | |
| Anthem Blue Cross (CA)Elevance Health (Blue Cross Blue Shield company) | 6 | $943 | $945 | $1,098 | $1,405 | Bronze 60 HDHP EPO |
All 22 plans in Monterey County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Kaiser Permanente | Minimum Coverage HMO | Catastrophic | HMO | $363 | $10,600 | $10,600 | $14,951 | |
| Kaiser Permanente | Bronze 60 HDHP HMO | Expanded Bronze | HMO | $506 | $7,200 | $7,200 | $13,270 | |
| Kaiser Permanente | Bronze 60 HMO | Expanded Bronze | HMO | $519 | $5,800 | $9,800 | $16,032 | |
| Blue Shield of California | Minimum Coverage PPO | Catastrophic | PPO | $613 | $10,600 | $10,600 | $17,952 | |
| Kaiser Permanente | Silver 70 HMO | Silver | HMO | $636 | $5,200 | $9,800 | $17,438 | |
| Kaiser Permanente | Gold 80 HMO Coinsurance | Gold | HMO | $654 | $0 | $9,200 | $17,050 | |
| Anthem Blue Cross (CA) | Minimum Coverage EPO | Catastrophic | EPO | $684 | $10,600 | $10,600 | $18,808 | |
| Kaiser Permanente | Gold 80 HMO | Gold | HMO | $721 | $0 | $9,200 | $17,850 | |
| Kaiser Permanente | Platinum 90 HMO | Platinum | HMO | $774 | $0 | $5,000 | $14,293 | |
| Blue Shield of California | Bronze 60 HDHP PPO | Expanded Bronze | PPO | $831 | $7,200 | $7,200 | $17,178 | |
| Blue Shield of California | Bronze 60 PPO | Expanded Bronze | PPO | $836 | $5,800 | $9,800 | $19,828 | |
| Blue Shield of California | Silver 70 Trio HMO | Silver | HMO | $889 | $5,200 | $9,800 | $20,472 | |
| Anthem Blue Cross (CA) | Bronze 60 HDHP EPO | Expanded Bronze | EPO | $943 | $7,200 | $7,200 | $18,522 | |
| Anthem Blue Cross (CA) | Bronze 60 EPO | Expanded Bronze | EPO | $946 | $5,800 | $9,800 | $21,154 | |
| Blue Shield of California | Gold 80 Trio HMO | Gold | HMO | $990 | $0 | $9,200 | $21,075 | |
| Blue Shield of California | Silver 70 PPO | Silver | PPO | $1,032 | $5,200 | $9,800 | $22,179 | |
| Anthem Blue Cross (CA) | Silver 70 EPO | Silver | EPO | $1,098 | $5,200 | $9,800 | $22,976 | |
| Blue Shield of California | Platinum 90 Trio HMO | Platinum | HMO | $1,153 | $0 | $5,000 | $18,839 | |
| Blue Shield of California | Gold 80 PPO | Gold | PPO | $1,247 | $0 | $9,200 | $24,158 | |
| Anthem Blue Cross (CA) | Gold 80 EPO | Gold | EPO | $1,405 | $0 | $9,200 | $26,065 | |
| Blue Shield of California | Platinum 90 PPO | Platinum | PPO | $1,696 | $0 | $5,000 | $25,349 | |
| Anthem Blue Cross (CA) | Platinum 90 EPO | Platinum | EPO | $1,990 | $0 | $5,000 | $28,884 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $506 | $834 | $946 | 6 | $6,500 | $8,500 | $17,850 |
| Silver | $636 | $960 | $1,098 | 4 | $5,200 | $9,800 | $21,325 |
| Gold | $654 | $990 | $1,405 | 5 | $0 | $9,200 | $21,075 |
| Platinum | $774 | $1,424 | $1,990 | 4 | $0 | $5,000 | $22,094 |
| CatastrophicUnder 30 or hardship exemption only | $363 | $613 | $684 | 3 | $10,600 | $10,600 | $17,952 |
* 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.