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Need 2026 rates? For the coverage you have now, see the 2026 Covered California rates.

2027 Covered California Rates: What Changes and How to Save

Updated

Covered California has announced its health plans and preliminary rates for 2027. Here is what changes in your region and with your insurance company, what financial help covers, and how to pay less.

2027 Covered California Rates at a Glance

On July 21, 2026, Covered California announced its health plans and preliminary rates for 2027: a weighted average rate increase of 9.9%, lower than the preliminary national median of 14% and the 10.3% announced for 2026.

9.9%
preliminary weighted average rate increase
60%
of enrollees will see no increase in their monthly premium
26%
remain eligible for a $0 premium without changing plans
12
insurance companies, one of them new

The rate is the full price of plans. According to Covered California, existing federal tax credits and California's expanded state subsidy protect most enrollees from higher monthly premiums: 60% will see no increase in what they pay each month, 26% will remain eligible for $0 premiums without changing plans, and many others may pay less.

Preliminary rates: The 2027 rates are subject to final review and public comment by California's Department of Managed Health Care. The final rates take effect on January 1, 2027. Actual rates differ greatly by plan and region. Covered California's announcement

2027 Rate Changes by Region

Average rate changes range from 8.0% in Region 2 (Marin, Napa, Solano and Sonoma counties) to 14.9% in Region 13 (Mono, Inyo and Imperial counties). Shopping makes a difference: if you switch to the lowest-cost plan in your metal tier, the average change is -0.2% statewide and -8.1% in Region 16 (Los Angeles County, southwest).

Preliminary 2027 rates, as Covered California announced them on July 21, 2026, before the Department of Managed Health Care's final review. Enrollees as of March 2026. Shop and switch: the average change for someone who moves to the lowest-cost plan in the same metal tier. Source: Covered California
Rating region Enrollees Average rate change Shop and switch
Region 1 Alpine, Amador, Butte, Calaveras, Colusa, Del Norte, Glenn, Humboldt, Lake, Lassen, Mendocino, Modoc, Nevada, Plumas, Shasta, Sierra, Siskiyou, Sutter, Tehama, Trinity, Tuolumne and Yuba counties 57,920 10.1% 7.2%
Region 2 Marin, Napa, Solano and Sonoma counties 57,430 8.0% 0.5%
Region 3 Sacramento, Placer, El Dorado and Yolo counties 99,330 9.0% 4.4%
Region 4 San Francisco County 37,140 9.7% 0.9%
Region 5 Contra Costa County 54,880 8.3% 1.7%
Region 6 Alameda County 79,530 8.4% 2.9%
Region 7 Santa Clara County 76,750 11.3% 1.4%
Region 8 San Mateo County 30,970 8.8% 0.6%
Region 9 Monterey, San Benito and Santa Cruz counties 32,270 10.0% -1.1%
Region 10 San Joaquin, Stanislaus, Merced, Mariposa and Tulare counties 90,150 10.8% 5.9%
Region 11 Fresno, Kings and Madera counties 48,980 11.8% 7.7%
Region 12 San Luis Obispo, Santa Barbara and Ventura counties 78,110 11.6% 2.7%
Region 13 Mono, Inyo and Imperial counties 12,740 14.9% 12.6%
Region 14 Kern County 27,470 11.4% 8.6%
Region 15 Los Angeles County (northeast) 244,070 8.5% -4.0%
Region 16 Los Angeles County (southwest) 283,870 9.3% -8.1%
Region 17 San Bernardino and Riverside counties 167,180 9.8% 0.8%
Region 18 Orange County 170,790 10.4% -2.3%
Region 19 San Diego County 136,310 13.1% 2.8%
Statewide 1,785,900 9.9% -0.2%

2027 Rate Changes by Insurance Company

In 2027, 12 insurance companies offer plans through Covered California, so everyone has at least two to choose from: 92% can choose from three or more, and nearly 75% from four or more. The weighted average change ranges from 5.6% (Inland Empire Health Plan) to 20.4% (Valley Health Plan).

Preliminary weighted average rate change by insurance company for 2027, as Covered California announced it on July 21, 2026. Source: Covered California
Insurance company Average rate change
Anthem Blue Cross 13.0%
Blue Shield of California 12.5%
Balance by CCHP 14.6%
Health Net 13.2%
Inland Empire Health Plan 5.6%
Kaiser Permanente 6.7%
LA Care Health Plan 8.1%
Molina Healthcare 16.9%
Sharp Health Plan 12.3%
Valley Health Plan 20.4%
Western Health Advantage 9.6%
Overall 9.9%

Insurance companies coming and going in 2027

  • New: CalOptima Health enters the marketplace in Region 18 (Orange County). As a new plan it has no rate change in the table.
  • Leaving: Molina Healthcare will no longer offer marketplace plans in Region 15 (Los Angeles County, northeast) and Region 18 (Orange County). Its approximately 1,600 enrollees there can choose a new plan or be moved to the insurance company with the lowest-cost plan in the same metal tier.

Financial Help With 2027 Premiums

Most enrollees do not pay the full rate. A federal premium tax credit caps what you pay for the benchmark Silver plan (the second-lowest-cost Silver plan in your area) at a share of your household income, up to 400% of the federal poverty level. The enhanced federal credits expired at the end of 2025, so there is no federal help above that line: $63,840 a year for one person, $132,000 for a family of four (2027 coverage uses the 2026 federal poverty guidelines). California's state subsidy lowers the share further for incomes up to 200% of the poverty level.

Up to 200% of the poverty level with California's state subsidy (Final 2027 California Premium Subsidy Program Design), above it the IRS table for 2027 (Rev. Proc. 2026-26), as in Covered California's chart "Program Eligibility by Federal Poverty Level for 2027". Most people with incomes up to 138% of the poverty level qualify for Medi-Cal instead.
Household income (% of the poverty level) One person Family of four Most you pay for the benchmark Silver plan (share of income)
Up to 150% Up to $23,940 Up to $49,500 0%
150% - 200% $23,940 - $31,920 $49,500 - $66,000 2.8% - 5.28%
200% - 250% $31,920 - $39,900 $66,000 - $82,500 6.78% - 8.66%
250% - 300% $39,900 - $47,880 $82,500 - $99,000 8.66% - 10.22%
300% - 400% $47,880 - $63,840 $99,000 - $132,000 10.22%
Above 400% Above $63,840 Above $132,000 No federal tax credit

What is new in financial help for 2027

  • A bigger state subsidy: California's state subsidy grows to $300 million (from $190 million) and reaches incomes up to 200% of the poverty level ($31,920 for one person, $66,000 for a family of four). More than 500,000 Californians, about 30% of enrollees, are projected to receive it. Covered California estimates it opens financial help to 200,000 people who were not eligible in 2026 and keeps 90,000 from dropping coverage.
  • $0 Silver plans: nearly 200,000 enrollees can choose from two Silver plans with a $0 premium.
  • A slightly higher federal share: the most anyone up to 400% of the poverty level pays for the benchmark Silver plan rises from 9.96% to 10.22% of income (IRS).
  • Lawfully present immigrants: from January 1, 2027, many lawfully present immigrants without a green card lose federal premium tax credits and cost-sharing reductions. Who is affected and what to do.
Covered California's examples for 2027:
  • A couple in Los Angeles earning around $38,000 could get a Bronze plan with a $0 monthly premium.
  • A family of four in Sacramento with an income around $82,000 could get a Silver plan for less than $580 a month.
  • A family of three in Orange County earning around $41,000 a year could get a Silver plan for less than $240 a month.

How to Pay Less in 2027

  1. Compare plans before you renew. Covered California renews your plan automatically, but switching to the lowest-cost plan in your metal tier brings the average change from 9.9% to -0.2% statewide. The "Shop and switch" column above shows it for your region.
  2. Check the state subsidy. With an income up to 200% of the poverty level ($31,920 for one person), California's state subsidy can lower your premium on top of the federal tax credit.
  3. Pick Silver if you qualify for cost-sharing reductions. With an income up to 250% of the poverty level, a Silver plan comes as Silver 94, 87 or 73, with lower deductibles and copays. How to choose a plan
  4. Update your income estimate for 2027. Your financial help is based on the income you expect in 2027, not on last year's. 2027 income limits
  5. Get free help. A licensed agent compares the plans in your area with you; you pay the same premium as when you enroll on your own. Contact us
See My 2027 Price

2027 Dental Plans

Covered California's preliminary 2027 dental rates rise by a weighted average of 6.2% (announced August 25, 2026). Eight dental plans from five insurance companies are offered: Anthem Blue Cross, Blue Shield of California, DentaQuest, Delta Dental of California and Humana.

Dental care for children under 19 is included in every Covered California health plan. Adults can add a family dental plan to their health plan. Dental plans in California

Key Dates for 2027 Coverage

October 1, 2026 Current enrollees can renew or switch plans.
November 1, 2026 Open enrollment begins: anyone can sign up for 2027 coverage.
December 31, 2026 Last day to pick a plan for coverage from January 1, 2027.
January 1, 2027 The final 2027 rates take effect.
January 31, 2027 Open enrollment ends. A plan picked in January starts February 1, 2027.

Frequently Asked Questions About 2027 Rates

Covered California announced a preliminary weighted average increase of 9.9% for 2027, against a preliminary national median of 14%. It differs by region, from 8.0% to 14.9%, and by insurance company, from 5.6% to 20.4%. See your region.

Not for most enrollees, according to Covered California: with the federal tax credits and California's expanded state subsidy, 60% of enrollees will see no increase in their monthly premium and 26% will remain eligible for $0 premiums without changing plans. What you pay depends on your income, age, region and plan, so compare your options before you renew.

No. They are preliminary and subject to final review and public comment by California's Department of Managed Health Care. The final rates take effect on January 1, 2027.

12 insurance companies: Anthem Blue Cross, Blue Shield of California, Balance by CCHP, Health Net, Inland Empire Health Plan, Kaiser Permanente, LA Care Health Plan, Molina Healthcare, Sharp Health Plan, Valley Health Plan, Western Health Advantage and, new in 2027, CalOptima Health in Orange County. Molina Healthcare leaves Region 15 (Los Angeles County, northeast) and Region 18 (Orange County). Which ones you can choose depends on where you live. Covered California insurance companies

Yes, if your household income is up to 400% of the federal poverty level ($63,840 for one person, $132,000 for a family of four) and your immigration status qualifies: a federal premium tax credit caps what you pay for the benchmark Silver plan at a share of your income. With an income up to 200% of the poverty level, California's state subsidy helps as well. Above 400% there is no federal tax credit. From January 1, 2027, many lawfully present immigrants without a green card can no longer get it, whatever their income (who is affected). How much you pay.

Current enrollees can renew or switch plans from October 1, 2026. Open enrollment runs from November 1, 2026 to January 31, 2027. Pick a plan by December 31, 2026 for coverage from January 1, 2027. Open enrollment

For the coverage you have now, see the 2026 Covered California rates: a preliminary 10.3% average increase, in the first year without the enhanced federal subsidies.

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