California's state-based health exchange since 2013
Get a QuoteCalifornia health insurance costs vary by age, location, and plan type, but most Californians pay $0-$10 per month after subsidies. See real cost examples and find out what you'll actually pay.
About 90% of Covered California enrollees qualify for subsidies. The average subsidy is $562 per month, meaning most people pay just $0-$10 per month for health insurance.
California health insurance premiums depend on several factors:
Average unsubsidized premiums in 2026:
Here are typical before-subsidy Silver plan costs by age in 2026:
| Age | Average Monthly Premium | After Subsidy (at 200% FPL) |
|---|---|---|
| 21 | $350-$450 | $0-$10 |
| 30 | $400-$500 | $0-$10 |
| 40 | $500-$600 | $0-$10 |
| 50 | $700-$850 | $75-$150 |
| 60 | $1,000-$1,200 | $150-$300 |
| 64 | $1,100-$1,350 | $200-$350 |
Different metal tiers have different premiums and out-of-pocket costs. Here's a comparison for a 30-year-old in Los Angeles:
Lowest premium
Highest out-of-pocket
Balanced premium
Moderate out-of-pocket
Higher premium
Lower out-of-pocket
Highest premium
Lowest out-of-pocket
Here's what a 40-year-old earning $40,000/year (267% FPL) would pay after subsidies:
Here's what a family of 4 earning $60,000/year (200% FPL) would pay:
Family premiums cover multiple household members. Here are examples for Silver plans before subsidies:
With subsidies, most families pay $0-$10/month if their income is between 150-200% FPL.
In addition to monthly premiums, you'll pay these costs when you use healthcare:
Cost-Sharing Reduction (CSR) plans available if you earn below 250% FPL reduce deductibles and copays even further.
Stop guessing. See exactly what you'll pay for health insurance in under 2 minutes.
90% of Californians qualify for subsidies. See your personalized quote with subsidy in under 2 minutes.
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