Health Insurance in California
Compare plans, check subsidy eligibility, and get a free quote from licensed agents.
California requires all residents to maintain health insurance coverage or face tax penalties. Whether you're self-employed, work for a small business, or are between jobs, understanding your options is critical.
California Health Insurance Marketplace (Covered California)
Government-run exchange with subsidies available for eligible individuals earning 100-400% of federal poverty level.
Private Insurance Plans
Available outside the marketplace from carriers like Blue Shield, Kaiser, Anthem, and others. Often chosen by higher earners or those needing specific coverage.
Short-Term Plans
Temporary coverage for gaps, typically 3-12 months. Lower cost but limited benefits.
California's Enhanced Healthcare marketplace offers unprecedented subsidies for individuals and families. A family of four earning $75,000 annually could qualify for $4,000-$8,000 in annual subsidies, making coverage affordable.
California has expanded mental health parity laws, mandate breast cancer screening, and enforces strict rate regulation. Insurers cannot deny coverage based on pre-existing conditions.
Use our free calculator to estimate your monthly cost based on income, family size, and location. We'll match you with the best options and connect you with a licensed agent to finalize enrollment.