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Free Health Insurance in California

Millions of Californians qualify for free or $0-premium health insurance in 2026. Check if you're eligible in under 60 seconds.

You May Qualify for Free Coverage

California offers free health insurance through Medi-Cal and $0-premium plans through Covered California for eligible residents.

Check Your Eligibility

Enter your details to see if you qualify for free or low-cost health insurance in California.

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2026 Income Limits for Free Health Insurance

If your annual household income falls below these thresholds, you may qualify for free or $0-premium health coverage.

Household Size Medi-Cal (Free) $0 Premium Plans

Based on 2026 Federal Poverty Level guidelines. These are approximate thresholds — use the calculator above for your exact eligibility.

How to Qualify for Free Health Insurance

Medi-Cal (Free Coverage)
  • Income at or below 138% of Federal Poverty Level
  • California resident of any immigration status
  • No monthly premiums and minimal copays
  • Comprehensive coverage including dental and vision
$0 Premium Covered California Plans
  • Income between 138–150% of Federal Poverty Level
  • Enhanced Silver 94 plans with $0 monthly premium
  • Very low deductibles and copays
  • Must enroll through Covered California
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