Individual Health Insurance
Anthem Blue Cross California
Anthem Blue Cross is the company Californians have trusted for seven decades to help protect their health and financial security. In fact, Anthem covers 8.3 million Californians, more than any other carrier in the state.
Molina
Molina Healthcare offers Marketplace (known as Exchange in some states) plans in many of the states where we offer Medicaid health plans. Our plans allow our Medicaid members to stay with their providers as they transition between Medicaid and the Marketplace. Additionally, they remove financial barriers to quality care and keep members’ out-of-pocket expenses to a minimum.
Blue Shield of California
For nearly 70 years, Blue Shield of California has distinguished itself with innovations that have changed the face of health care and made us a prominent force in the California healthcare market.
Oscar Health Plan of California
Oscar is a new kind of health insurance company. We think health insurance should be simple, smart, intuitive, and friendly.
Health Net California
The Health Net Full PPO network plans are not available through Covered California and are therefore not eligible for any subsidy. Additionally, they are not available in all counties of California and some counties are limited by zip code.
Kaiser Permanente of CA
The largest nonprofit health plan in the United States, Kaiser Permanente serves 8.7 million members in nine states and the District of Columbia.
Don’t Know What Carrier To Choose? Use our doctor & plan finder today!
Questions? Call (855) 847-7020, email help@ihealthagents.com, or send us a message.
What changed for 2027
- Rates: Covered California announced a preliminary weighted average increase of 9.9% for 2027, against a national median of about 14%. By carrier: Inland Empire Health Plan 5.6%, Kaiser Permanente 6.7%, L.A. Care 8.1%, Western Health Advantage 9.6%, Sharp 12.3%, Blue Shield 12.5%, Anthem Blue Cross 13.0%, Health Net 13.2%, Balance by CCHP 14.6%, Molina 16.9%, Valley Health Plan 20.4%. Your own change depends on your region, plan and subsidy.
- State subsidy grows: California raised its state premium subsidy fund from $190 million to $300 million and extended it to household incomes up to 200% of the federal poverty level ($31,920 for one person, $66,000 for a family of four). More than 500,000 enrollees are projected to receive it, and nearly 200,000 should be able to get a Silver plan for $0 a month.
- Federal credits are smaller: the enhanced federal premium tax credits expired at the end of 2025, so the original Affordable Care Act contribution scale and the 400% of poverty cutoff apply. This is the main reason the state subsidy matters.
- Immigration status and financial help: starting in 2027, some lawfully present immigrants will no longer qualify for premium tax credits or the state subsidy, though they can still enroll in a plan at full price. Only green card holders, Cuban and Haitian entrants, and COFA migrants pass the new check.
- Carrier changes: Molina Healthcare is not renewing in rating regions 15 and 18, and CalOptima Health is entering region 18 (Orange County).
- New benefit designs: Covered California published new standard designs for 2027. Silver 70 deductibles drop, but out-of-pocket maximums rise in most tiers. Both tables below are the 2027 designs.
- Dates: current members see their 2027 renewal options starting October 1. Open enrollment runs November 1, 2026 through January 31, 2027, and you enroll by December 31 for coverage that starts January 1.
2027 Covered California plans, side by side
Every carrier must offer the same cost sharing within a metal tier. Covered California sets standardized benefit designs, so a Silver 70 from Anthem has the identical deductible, copays and out-of-pocket maximum as a Silver 70 from Kaiser, Blue Shield or Health Net. That is unusual, and it matters: you are not shopping on benefits, you are shopping on premium, network and service area.
| Bronze 60 | Silver 70 | Gold 80 | Platinum 90 | Minimum Coverage | |
|---|---|---|---|---|---|
| Medical deductible | $5,800 | $4,700 | $0 | $0 | None |
| Pharmacy deductible | $450 | $50 | $0 | $0 | None |
| Out-of-pocket maximum | $11,650 | $11,650 | $9,600 | $5,500 | $12,000 |
| Primary care visit | $60 | $50 | $40 | $20 | First 3 visits, then full cost |
| Specialist visit | $100* | $100 | $80 | $45 | Full cost |
| Urgent care | $60 | $50 | $40 | $20 | First 3 visits, then full cost |
| Emergency room | 40% after deductible | $400 | $350 | $225 | Full cost |
| Generic drugs | $20 | $20 | $19 | $10 | Full cost |
| Preventive care | $0 | $0 | $0 | $0 | $0 |
Individual figures shown; family amounts are double in each case. *Bronze waives the deductible for the first three non-preventive visits combined, which may include office, urgent care or outpatient mental health visits; after that you pay full cost until the medical deductible is met. Source: Covered California, 2027 Patient-Centered Benefit Designs.
Bronze 60 HDHP, the HSA option
There is a separate Bronze 60 HDHP design with a single integrated deductible that also serves as the out-of-pocket maximum. In the 2026 design it was $7,200 ($14,400 family). You pay full cost until you hit it, then the plan pays 100%. Preventive care is still $0. Covered California’s published 2027 table covers the standard designs only, so we confirm the exact 2027 HDHP figure against the carrier’s summary of benefits when we quote.
Since January 1, 2026: under the OBBBA change to IRC section 223(c)(2) (IRS Notice 2026-5), all Bronze and Minimum Coverage exchange plans count as HSA-qualified high deductible health plans, not just the HDHP design. Silver, Gold and Platinum do not qualify. Remember that California taxes HSAs differently from the federal government.
Enhanced Silver: the plans most people should be looking at
If your household income is under roughly 250% of the federal poverty level, you do not buy the standard Silver 70. You get an Enhanced Silver version of it with substantially better cost sharing, for the same premium. This is the single most valuable thing to understand about buying coverage through Covered California, and it is the most commonly missed.
You only get it on a Silver plan. Choosing Bronze because the premium looks lower can be a costly mistake at these income levels, because you give up the cost-sharing reduction entirely.
| Silver 94 | Silver 87 | Silver 73 | |
|---|---|---|---|
| Income (single, 2027) | Up to $23,940 | $23,941-$31,920 | $31,921-$39,900 |
| Percent of poverty level | 100%-150% | Over 150% to 200% | Over 200% to 250% |
| Medical deductible | $200 | $1,100 | $4,700 |
| Out-of-pocket maximum | $3,000 | $4,000 | $9,600 |
| Primary care visit | $5 | $15 | $50 |
| Specialist visit | $8 | $30 | $100 |
| Emergency room | $50 | $200 | $400 |
| Generic drugs | $3 | $10 | $20 |
Compare Silver 94 against the standard Silver 70 in the table above: a $200 deductible instead of $4,700, and a $3,000 out-of-pocket maximum instead of $11,650. Same premium.
A note on the 2026 numbers. Some websites still show the 2026 designs, where the Silver 70 deductible was $5,200 and Silver 94 had a $0 deductible. The 2027 figures above are the current ones. Income bands are for a single person and shift with household size, so they are approximate.
Not sure which tier you qualify for? Call (855) 847-7020 and we will run your income and household size against the current tables.