California's state-based health exchange since 2013
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California health insurance costs vary by age, location, and plan type, and financial help depends on your income. See cost examples and find out what you'll actually pay.
Financial help is based on your income, and at low incomes you can pay little or nothing. Covered California reports that 20% of its current enrollees pay $0 a month, 41% pay $100 or less and 66% pay $250 or less. The quote form shows your real price.
California health insurance premiums depend on several factors:
That is why no single average fits everyone. The quote form prices every plan in your area for your age and income. California does not let plans charge more for tobacco use.
Premiums rise with age: a 64-year-old can be charged up to three times what a 21-year-old pays for the same plan.
Financial help evens much of that out. What you pay for the benchmark Silver plan is a share of your income, whatever your age, so an older person's higher premium usually comes with a bigger tax credit.
Different metal tiers have different premiums and out-of-pocket costs. Here's how they compare:
Lowest premium
Highest out-of-pocket
Balanced premium
Moderate out-of-pocket
Higher premium
Lower out-of-pocket
Highest premium
Lowest out-of-pocket
Since the enhanced federal subsidies ended on December 31, 2025, the benchmark Silver plan costs a share of your income that rises with your income. Here's the most these households pay for it for 2027 coverage, if their income stays the same all year:
| Household | Yearly Income | Poverty Level | Share of Income | Most You Pay a Month |
|---|---|---|---|---|
| 1 person | $25,000 | 157% FPL | 3.15% | about $66 |
| 1 person | $40,000 | 251% FPL | 8.69% | about $290 |
| 1 person | $60,000 | 376% FPL | 10.22% | about $511 |
| 4 people | $60,000 | 182% FPL | 4.39% | about $219 |
| 4 people | $90,000 | 273% FPL | 9.38% | about $703 |
Your tax credit is the same dollar amount whichever metal tier you pick, so a Bronze plan costs less than this and a Gold plan usually costs more. From the 400% FPL line up ($63,840 for one person) there is no federal help.
A family's premium adds up the premium of each person on the plan, by age. The household's income sets the financial help for all of them.
A family of 4 earning $60,000/year (182% FPL) pays at most about $219 a month for the benchmark Silver plan for 2027 coverage. At that income the children get Medi-Cal (up to $87,780 for a family of 4), so the plan covers the adults.
With California's state subsidy, a household up to 150% FPL ($49,500 for a family of 4) pays about $0 for the benchmark Silver plan.
In addition to monthly premiums, you'll pay these costs when you use healthcare. These are Covered California's standard 2027 plans:
| Plan | Deductible | Primary care visit | Specialist visit | Generic drug | Out-of-pocket max |
|---|---|---|---|---|---|
| Bronze 60 | $5,800 | $60 | $100 | $20 | $11,650 |
| Silver 70 | $4,700 | $50 | $100 | $20 | $11,650 |
| Gold 80 | $0 | $40 | $80 | $19 | $9,600 |
| Platinum 90 | $0 | $20 | $45 | $10 | $5,500 |
On Silver 70, urgent care is $50 and an emergency room visit is $400.
Cost-Sharing Reduction (CSR) plans, available if you earn at or below 250% FPL, lower what you pay when you use care. The quote form shows each plan's costs for you.
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Financial help depends on your income. See your personalized quote with subsidy.
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