ACA Health Insurance in California: Marketplace Plans & Subsidies
Residents of California can access affordable health insurance through Covered California. Thanks to the Affordable Care Act (ACA), most families qualify for subsidies that significantly lower monthly premiums.
đź“Ť California Health Insurance Fast Facts
How Health Plans Work in California
When you shop on Covered California, you'll see plans organized by "Metal Levels" (Bronze, Silver, Gold). In California, specific options will vary by your zip code. For example, a Silver plan in Los Angeles might be offered by Kaiser Permanente, while a similar plan in a rural county might be from a different provider.
Key takeaway for California residents: Don't just look at the premium. Check the provider network to ensure your preferred doctors and local hospitals are covered.
🏥Medi-Cal (Medicaid)
Medi-Cal is California's Medicaid program, covering over 15 million residents. California was an early Medicaid expansion state and provides coverage to adults with incomes up to 138% of the Federal Poverty Level. Medi-Cal also covers undocumented immigrants of all ages as of 2024—the only state with such comprehensive coverage. Most Medi-Cal enrollees pay no premiums and minimal copays.
đź’ˇInsurance Shopping Tips for California
- •Kaiser Permanente offers integrated care in most California markets and often has lower premiums than PPO alternatives
- •Many Covered California plans include telehealth at no additional cost—valuable for minor illnesses and mental health
- •California offers state subsidies beyond federal ACA credits for households up to 600% of the Federal Poverty Level
- •Medi-Cal has no monthly premium and covers over 15 million Californians—check eligibility even if you think you earn too much
🏛️Unique Healthcare Programs in California
Covered California Small Business (CCSB) offers ACA-compliant plans for businesses with 1-100 employees
California Children's Health Insurance Program (CHIP) covers children in families up to 266% FPL
California's Prescription Drug Affordability Board works to lower drug costs statewide
Cal MediConnect integrates Medicare and Medicaid for dual-eligible beneficiaries
Important note
Marketplace (ACA) eligibility and premium tax credits depend on your household size, income, ages, ZIP code, and the plan you choose. Rules and plan pricing can change over time.
Use this page to understand the basics for California. For your exact eligibility and final monthly premium, confirm on the official marketplace.
Important Note for California
California has its own state marketplace (Covered California). Extended subsidies and additional state programs available.
Frequently Asked Questions
How do ACA subsidies work in California?
Premium tax credits can reduce monthly premiums for Marketplace plans. Eligibility and amounts depend on household size, income, ages, ZIP code, and plan selection. Confirm specific results on the official marketplace.
Is "Covered California" the official site for California?
Yes, for California, you should use **Covered California** to apply for coverage and subsidies. Using third-party sites might result in extra fees or missing out on tax credits.
When is Open Enrollment?
In most states, Open Enrollment typically runs from Nov 1 to Jan 15. Some state marketplaces may have different deadlines.
What carriers offer plans in my area?
Major carriers in California often include Kaiser Permanente, Blue Shield of California, Anthem Blue Cross. Availability varies by ZIP code, so residents in Los Angeles might have different options than those in San Francisco.
Do ACA plans cover pre-existing conditions?
Yes. ACA-compliant plans cannot deny coverage or charge more due to pre-existing conditions like diabetes, cancer, or pregnancy.
Sources & Disclaimer
Last Updated: January 2026
Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.