Health insurance prices in Orange County, CA (2026)

35 marketplace plans from 5 insurers. Cheapest plan $417/mo; typical Silver $533/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 18.

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 $417–$610 (typical $512) · Silver $516–$765 (typical $533) · Gold $539–$909 (typical $637) · Platinum $638–$1,237 (typical $784) · Catastrophic $299–$447 (typical $437)

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	Plans	Cheapest plan	Typical Bronze	Typical Silver	Typical Gold	Cheapest plan name
Anthem Blue Cross (CA)Elevance Health (Blue Cross Blue Shield company)	5	$444	$444	$516	$688	Bronze 60 HMO
Kaiser Permanente	7	$417	$422	$524	$566	Bronze 60 HDHP HMO
Molina Healthcare	5	$488	$488	$533	$608	Bronze 60 HMO
Blue Shield of CaliforniaBlue Shield of California (Blue Cross Blue Shield company)	9	$521 Silver	$608	$637	$744	Silver 70 Trio HMO
Ambetter (Centene)	9	$536	$542	$665	$785	Bronze 60 HDHP Ambetter PPO

All 35 plans in Orange County, cheapest first

Insurer	Plan	Metal	Network	Monthly	Deductible	Out-of-pocket max	Bad year
Kaiser Permanente	Minimum Coverage HMO	Catastrophic	HMO	$299	$10,600	$10,600	$14,183
Anthem Blue Cross (CA)	Minimum Coverage HMO	Catastrophic	HMO	$321	$10,600	$10,600	$14,452
Kaiser Permanente	Bronze 60 HDHP HMO	Expanded Bronze	HMO	$417	$7,200	$7,200	$12,199
Kaiser Permanente	Bronze 60 HMO	Expanded Bronze	HMO	$428	$5,800	$9,800	$14,932
Ambetter (Centene)	Minimum Coverage Ambetter PPO	Catastrophic	PPO	$437	$10,600	$10,600	$15,847
Molina Healthcare	Minimum Coverage HMO	Catastrophic	HMO	$437	$10,600	$10,600	$15,849
Anthem Blue Cross (CA)	Bronze 60 HMO	Expanded Bronze	HMO	$444	$5,800	$9,800	$15,129
Blue Shield of California	Minimum Coverage PPO	Catastrophic	PPO	$447	$10,600	$10,600	$15,962
Molina Healthcare	Bronze 60 HMO	Expanded Bronze	HMO	$488	$5,800	$9,800	$15,658
Anthem Blue Cross (CA)	Silver 70 HMO	Silver	HMO	$516	$5,200	$9,800	$15,988
Blue Shield of California	Silver 70 Trio HMO	Silver	HMO	$521	$5,200	$9,800	$16,049
Kaiser Permanente	Silver 70 HMO	Silver	HMO	$524	$5,200	$9,800	$16,090
Molina Healthcare	Silver 70 HMO	Silver	HMO	$533	$5,200	$9,800	$16,190
Ambetter (Centene)	Bronze 60 HDHP Ambetter PPO	Expanded Bronze	PPO	$536	$7,200	$7,200	$13,633
Kaiser Permanente	Gold 80 HMO Coinsurance	Gold	HMO	$539	$0	$9,200	$15,665
Ambetter (Centene)	Bronze 60 Ambetter PPO	Expanded Bronze	PPO	$547	$5,800	$9,800	$16,368
Ambetter (Centene)	Silver 70 Ambetter HMO	Silver	HMO	$565	$5,200	$9,800	$16,584
Blue Shield of California	Gold 80 Trio HMO	Gold	HMO	$579	$0	$9,200	$16,153
Kaiser Permanente	Gold 80 HMO	Gold	HMO	$594	$0	$9,200	$16,323
Blue Shield of California	Bronze 60 HDHP PPO	Expanded Bronze	PPO	$606	$7,200	$7,200	$14,478
Molina Healthcare	Gold 80 HMO	Gold	HMO	$608	$0	$9,200	$16,497
Blue Shield of California	Bronze 60 PPO	Expanded Bronze	PPO	$610	$5,800	$9,800	$17,115
Kaiser Permanente	Platinum 90 HMO	Platinum	HMO	$638	$0	$5,000	$12,653
Ambetter (Centene)	Gold 80 Ambetter HMO	Gold	HMO	$667	$0	$9,200	$17,202
Blue Shield of California	Platinum 90 Trio HMO	Platinum	HMO	$675	$0	$5,000	$13,103
Anthem Blue Cross (CA)	Gold 80 HMO	Gold	HMO	$688	$0	$9,200	$17,456
Molina Healthcare	Platinum 90 HMO	Platinum	HMO	$688	$0	$5,000	$13,261
Blue Shield of California	Silver 70 PPO	Silver	PPO	$752	$5,200	$9,800	$18,829
Ambetter (Centene)	Silver 70 Ambetter PPO	Silver	PPO	$765	$5,200	$9,800	$18,975
Ambetter (Centene)	Platinum 90 Ambetter HMO	Platinum	HMO	$784	$0	$5,000	$14,407
Ambetter (Centene)	Gold 80 Ambetter PPO	Gold	PPO	$903	$0	$9,200	$20,031
Blue Shield of California	Gold 80 PPO	Gold	PPO	$909	$0	$9,200	$20,111
Anthem Blue Cross (CA)	Platinum 90 HMO	Platinum	HMO	$937	$0	$5,000	$16,239
Ambetter (Centene)	Platinum 90 Ambetter PPO	Platinum	PPO	$1,126	$0	$5,000	$18,514
Blue Shield of California	Platinum 90 PPO	Platinum	PPO	$1,237	$0	$5,000	$19,842

Deductibles and a bad year, by metal level

Metal	Lowest	Typical*	Highest	Plans	Typical deductible	Typical out-of-pocket max	Typical bad year**
Bronze	$417	$512	$610	8	$5,800	$9,800	$15,031
Silver	$516	$533	$765	7	$5,200	$9,800	$16,190
Gold	$539	$637	$909	8	$0	$9,200	$16,849
Platinum	$638	$784	$1,237	7	$0	$5,000	$14,407
CatastrophicUnder 30 or hardship exemption only	$299	$437	$447	5	$10,600	$10,600	$15,847

* 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.

Health sharing programs NOT INSURANCE

Health care sharing ministries and sharing communities are not insurance. They are not regulated as insurance, payment of your medical bills is not guaranteed, ACA tax credits and protections do not apply, and pre-existing conditions are often limited or excluded. Prices are national (same in every county) for one adult age 40, checked October 2026.

Side by side: the typical marketplace Bronze plan here is $512/mo with a legal out-of-pocket cap; a bad year ≈ $15,031 before tax credits. Many people get tax credits that cut ACA premiums a lot; health sharing never qualifies.

Program	Option	Monthly	You pay first, per need	One-need bad year†	Where
Christian Healthcare Ministries	Bronze	$115	$6,000	$7,380	No state limits listed
Christian Healthcare Ministries	Silver	$169	$3,000	$5,028	No state limits listed
Liberty HealthShare	Essential (single, 35-49)	$180	$4,000	—	No state limits listed
Samaritan Ministries	Basic (age 40-54, 1 person)	$185	$2,000	$6,720	No state limits listed
Zion HealthShare	Direct, $5,000 IUA (40-49, member only)	$188	$5,000	$7,256	Excludes MD, MA, PA, MT
CrowdHealth	Standard (ages 0-54), max monthly	$200	$500	$2,900	No state limits listed
Zion HealthShare	Direct, $2,500 IUA (40-49, member only)	$214	$2,500	$5,068	Excludes MD, MA, PA, MT
Sedera	SELECT+, $5,000 IUA (30+, member only, eff. 4/1/26)	$233	$5,000	$7,796	Check availability
Liberty HealthShare	Connect (single, 35-49)	$241	$1,000	—	No state limits listed
Sedera	SELECT+, $2,500 IUA	$251	$2,500	$5,512	Check availability
Zion HealthShare	Direct, $1,250 IUA (40-49, member only)	$254	$1,250	$4,298	Excludes MD, MA, PA, MT
Christian Healthcare Ministries	Gold	$299	$1,250	$4,838	No state limits listed
Sedera	SELECT+, $1,000 IUA	$309	$1,000	$4,708	Check availability
Liberty HealthShare	Unite (single, 35-49)	$312	$1,000	$4,744	No state limits listed
Samaritan Ministries	Classic (age 40-54, 1 person)	$330	$1,000	$4,960	No state limits listed
Sedera	SELECT+, $500 IUA	$437	$500	$5,744	Check availability

† 12 × monthly price + the amount you pay before sharing starts (plus any capped co-share) for one medical need. Two needs in a year can mean paying that amount twice. Not comparable 1:1 with an insurance out-of-pocket maximum, which is a legal yearly cap. Knew Health and Medi-Share publish prices by quote only. How health sharing works

How we make money: We have no affiliate links or paid placements yet. Payment never changes the order of any table or which option is labeled lowest. Disclosures