El mercado de seguros de salud del estado de California desde 2013
Obtener una CotizaciónEstá viendo las cifras de 2026, para la cobertura de 2026 y su declaración de impuestos de 2026. Vea las preguntas frecuentes sobre subsidios de 2027.
Learn how premium tax credits and cost-sharing reductions are calculated, and how to estimate your savings for 2026.
Covered California offers two types of financial help:
Your subsidy amount is based on your household income relative to the Federal Poverty Level (FPL).
The formula is the one Covered California has used since 2014. For 2026 the enhanced subsidies of 2021-2025 are gone, so several of its inputs went back to the old rules:
| Income (one person) | 2025: FPL | 2025: you pay a month | 2026: FPL | 2026: you pay a month |
|---|---|---|---|---|
| $25,000 | 166% | $13 | 159% | $96 |
| $35,000 | 232% | $96 | 223% | $217 |
| $45,000 | 298% | $222 | 287% | $359 |
| $55,000 | 365% | $349 | 351% | $457 |
| $63,000 | 418% | $446 | 402% | No credit |
What one person pays a month for the benchmark Silver plan with the premium tax credit alone; any premium above that is the credit. California's state subsidy lowers the amount further up to 165% FPL.
Premium tax credits reduce your monthly insurance cost. Key points:
CSR benefits lower your deductibles and copays. You must choose a Silver plan to get CSR:
Subsidies are based on Modified Adjusted Gross Income (MAGI), which includes:
Certain deductions (retirement contributions, student loan interest) reduce MAGI.
Use our tools to estimate your subsidy: