California ACA Health Insurance Quotes
Use our quoting tool to price individual and family ACA health plans in California for 2026. Enter your ZIP code, add everyone who needs coverage, and you will see the plans available in your county with their real monthly rates.
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Enter your ZIP code, add everyone who needs coverage, and you will see the 2026 individual and family plans available in your county with their full monthly rates.
Prefer not to do it yourself? Call (855) 847-7020 and we will run it with you in a couple of minutes.
If the quote tool does not load above, open it in a new tab or call us at (855) 847-7020.
What this tool does and does not show
It does not calculate your premium tax credit. Subsidies and California state subsidies exist only through Covered California. The rates you see here are full, unsubsidized prices. If your household income is under roughly 400% of the federal poverty level, what you actually pay through Covered California is likely to be lower, sometimes dramatically so. Call us before you decide based on these numbers.
Use this tool to compare plan designs, networks and full-price premiums side by side. Use Covered California, or us, to find out what you would actually pay after any subsidy.
When you can enroll
California open enrollment runs November 1 through January 31. Outside those dates you need a Special Enrollment Period, which is triggered by things like losing other coverage, moving, marriage, divorce, a birth or adoption, or a change in income that affects your subsidy. If any of those happened in the last 60 days, you can probably still enroll today.
Two California specifics worth knowing. Short term health insurance is banned in California under SB 910, so there is no cheap stopgap product to fall back on if you miss enrollment. And California runs its own individual mandate penalty, reported on Franchise Tax Board Form 3853, so going uncovered has a state tax cost on top of the risk.
Would you rather we just did this for you
Tell us your ZIP code, who needs covering, your doctors and your rough household income, and we will come back with the two or three plans that actually make sense. There is no fee, and we are independent, so we are not steering you to one carrier.
Related pages
- California individual and family health insurance
- California HSA plans for 2026
- Small group and employer coverage
- Medicare in California
California Health Agents is a licensed independent insurance agency. We are not affiliated with or endorsed by Covered California, the United States government, the federal Medicare program, the California Department of Insurance, or the Department of Managed Health Care. Premium tax credits and California state subsidies are available only through Covered California. Plan availability, benefits and premiums vary by county. Quotes are estimates and are not a contract, guarantee of coverage, or offer of insurance. The quoting tool on this page is operated by Quotit, a third party. CA Insurance License #0I53604. NPN 14924332.