Health insurance prices in San Diego County, CA (2026)
44 marketplace plans from 6 insurers. Cheapest plan $421/mo; typical Silver $544/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 19.
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 $421–$683 (typical $497) · Silver $475–$843 (typical $544) · Gold $545–$1,019 (typical $598) · Platinum $633–$1,386 (typical $715) · Catastrophic $302–$501 (typical $395)
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 |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 5 | $449 | $449 | $490 | $559 | Bronze 60 HMO | |
| Sharp Health Plan | 9 | $448 | $487 | $529 | $592 | Bronze 60 Performance HMO | |
| Kaiser Permanente | 7 | $421 | $427 | $530 | $573 | Bronze 60 HDHP HMO | |
| Anthem Blue Cross (CA)Elevance Health (Blue Cross Blue Shield company) | 5 | $468 | $468 | $544 | $726 | Bronze 60 HMO | |
| Ambetter (Centene) | 9 | $553 Silver | $563 | $674 | $795 | Silver 70 Ambetter HMO | |
| Blue Shield of CaliforniaBlue Shield of California (Blue Cross Blue Shield company) | 9 | $516 Silver | $682 | $680 | $796 | Silver 70 Trio HMO |
All 44 plans in San Diego County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Kaiser Permanente | Minimum Coverage HMO | Catastrophic | HMO | $302 | $10,600 | $10,600 | $14,224 | |
| Anthem Blue Cross (CA) | Minimum Coverage HMO | Catastrophic | HMO | $339 | $10,600 | $10,600 | $14,663 | |
| Sharp Health Plan | Minimum Coverage Performance HMO | Catastrophic | HMO | $388 | $10,600 | $10,600 | $15,259 | |
| Molina Healthcare | Minimum Coverage HMO | Catastrophic | HMO | $402 | $10,600 | $10,600 | $15,428 | |
| Kaiser Permanente | Bronze 60 HDHP HMO | Expanded Bronze | HMO | $421 | $7,200 | $7,200 | $12,255 | |
| Kaiser Permanente | Bronze 60 HMO | Expanded Bronze | HMO | $432 | $5,800 | $9,800 | $14,990 | |
| Sharp Health Plan | Bronze 60 Performance HMO | Expanded Bronze | HMO | $448 | $5,800 | $9,800 | $15,178 | |
| Molina Healthcare | Bronze 60 HMO | Expanded Bronze | HMO | $449 | $5,800 | $9,800 | $15,188 | |
| Ambetter (Centene) | Minimum Coverage Ambetter PPO | Catastrophic | PPO | $454 | $10,600 | $10,600 | $16,051 | |
| Anthem Blue Cross (CA) | Bronze 60 HMO | Expanded Bronze | HMO | $468 | $5,800 | $9,800 | $15,421 | |
| Sharp Health Plan | Silver 70 Premier HMO | Silver | HMO | $475 | $5,200 | $9,800 | $15,496 | |
| Molina Healthcare | Silver 70 HMO | Silver | HMO | $490 | $5,200 | $9,800 | $15,678 | |
| Blue Shield of California | Minimum Coverage PPO | Catastrophic | PPO | $501 | $10,600 | $10,600 | $16,611 | |
| Blue Shield of California | Silver 70 Trio HMO | Silver | HMO | $516 | $5,200 | $9,800 | $15,989 | |
| Sharp Health Plan | Bronze 60 HDHP Premier HMO | Expanded Bronze | HMO | $525 | $7,200 | $7,200 | $13,504 | |
| Kaiser Permanente | Silver 70 HMO | Silver | HMO | $530 | $5,200 | $9,800 | $16,161 | |
| Anthem Blue Cross (CA) | Silver 70 HMO | Silver | HMO | $544 | $5,200 | $9,800 | $16,327 | |
| Kaiser Permanente | Gold 80 HMO Coinsurance | Gold | HMO | $545 | $0 | $9,200 | $15,738 | |
| Ambetter (Centene) | Silver 70 Ambetter HMO | Silver | HMO | $553 | $5,200 | $9,800 | $16,436 | |
| Ambetter (Centene) | Bronze 60 HDHP Ambetter PPO | Expanded Bronze | PPO | $557 | $7,200 | $7,200 | $13,883 | |
| Molina Healthcare | Gold 80 HMO | Gold | HMO | $559 | $0 | $9,200 | $15,911 | |
| Ambetter (Centene) | Bronze 60 Ambetter PPO | Expanded Bronze | PPO | $569 | $5,800 | $9,800 | $16,623 | |
| Blue Shield of California | Gold 80 Trio HMO | Gold | HMO | $574 | $0 | $9,200 | $16,086 | |
| Sharp Health Plan | Silver 70 Performance HMO | Silver | HMO | $583 | $5,200 | $9,800 | $16,799 | |
| Sharp Health Plan | Gold 80 Premier HMO | Gold | HMO | $590 | $0 | $9,200 | $16,279 | |
| Sharp Health Plan | Gold 80 Performance HMO | Gold | HMO | $595 | $0 | $9,200 | $16,337 | |
| Kaiser Permanente | Gold 80 HMO | Gold | HMO | $600 | $0 | $9,200 | $16,403 | |
| Molina Healthcare | Platinum 90 HMO | Platinum | HMO | $633 | $0 | $5,000 | $12,598 | |
| Kaiser Permanente | Platinum 90 HMO | Platinum | HMO | $645 | $0 | $5,000 | $12,740 | |
| Ambetter (Centene) | Gold 80 Ambetter HMO | Gold | HMO | $652 | $0 | $9,200 | $17,027 | |
| Blue Shield of California | Platinum 90 Trio HMO | Platinum | HMO | $669 | $0 | $5,000 | $13,025 | |
| Sharp Health Plan | Platinum 90 Premier HMO | Platinum | HMO | $672 | $0 | $5,000 | $13,059 | |
| Blue Shield of California | Bronze 60 HDHP PPO | Expanded Bronze | PPO | $680 | $7,200 | $7,200 | $15,358 | |
| Blue Shield of California | Bronze 60 PPO | Expanded Bronze | PPO | $683 | $5,800 | $9,800 | $17,999 | |
| Sharp Health Plan | Platinum 90 Performance HMO | Platinum | HMO | $715 | $0 | $5,000 | $13,583 | |
| Anthem Blue Cross (CA) | Gold 80 HMO | Gold | HMO | $726 | $0 | $9,200 | $17,908 | |
| Ambetter (Centene) | Platinum 90 Ambetter HMO | Platinum | HMO | $767 | $0 | $5,000 | $14,202 | |
| Ambetter (Centene) | Silver 70 Ambetter PPO | Silver | PPO | $794 | $5,200 | $9,800 | $19,332 | |
| Blue Shield of California | Silver 70 PPO | Silver | PPO | $843 | $5,200 | $9,800 | $19,920 | |
| Ambetter (Centene) | Gold 80 Ambetter PPO | Gold | PPO | $938 | $0 | $9,200 | $20,452 | |
| Anthem Blue Cross (CA) | Platinum 90 HMO | Platinum | HMO | $988 | $0 | $5,000 | $16,855 | |
| Blue Shield of California | Gold 80 PPO | Gold | PPO | $1,019 | $0 | $9,200 | $21,429 | |
| Ambetter (Centene) | Platinum 90 Ambetter PPO | Platinum | PPO | $1,170 | $0 | $5,000 | $19,039 | |
| Blue Shield of California | Platinum 90 PPO | Platinum | PPO | $1,386 | $0 | $5,000 | $21,637 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $421 | $497 | $683 | 10 | $5,800 | $9,800 | $15,183 |
| Silver | $475 | $544 | $843 | 9 | $5,200 | $9,800 | $16,327 |
| Gold | $545 | $598 | $1,019 | 10 | $0 | $9,200 | $16,370 |
| Platinum | $633 | $715 | $1,386 | 9 | $0 | $5,000 | $13,583 |
| CatastrophicUnder 30 or hardship exemption only | $302 | $395 | $501 | 6 | $10,600 | $10,600 | $15,344 |
* 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.