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.
2026 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, Molina, 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 | $5,200 | $0 | $0 | $10,600 |
| Pharmacy deductible | $450 | $50 | $0 | $0 | included above |
| Out-of-pocket maximum | $9,800 | $9,800 | $9,200 | $5,000 | $10,600 |
| Primary care visit | $60 | $50 | $40 | $15 | First 3 visits $0 |
| Specialist visit | $95* | $90 | $70 | $30 | Full cost |
| Urgent care | $60 | $50 | $40 | $15 | First 3 visits $0 |
| Emergency room | 40% | $400 | $350 | $175 | Full cost |
| Generic drugs | $20 | $19 | $18 | $9 | Full cost |
| Preventive care | $0 | $0 | $0 | $0 | $0 |
Individual figures shown; family amounts are double in each case, except Platinum ($10,000) and Gold ($18,400) out-of-pocket maximums, which are also double. *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.
Bronze 60 HDHP, the HSA option
There is a separate Bronze 60 HDHP design with a single integrated deductible of $7,200 ($14,400 family) that also serves as the out-of-pocket maximum. You pay full cost until you hit it, then the plan pays 100%. Preventive care is still $0.
New for 2026: under the OBBBA change to IRC section 223(c)(2) (IRS Notice 2026-5), all Bronze and Minimum Coverage exchange plans now 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, approx.) | Up to $23,475 | $23,476 – $31,300 | $31,301 – $39,125 |
| Percent of poverty level | 100% – 150% | 150% – 200% | 200% – 250% |
| Medical deductible | $0 | $1,400 | $5,200 |
| Out-of-pocket maximum | $1,400 | $3,350 | $8,100 |
| Primary care visit | $5 | $15 | $50 |
| Specialist visit | $8 | $25 | $90 |
| Emergency room | $50 | $200 | $400 |
| Generic drugs | $3 | $8 | $19 |
Compare Silver 94 against the standard Silver 70 in the table above: a $0 deductible instead of $5,200, and a $1,400 out-of-pocket maximum instead of $9,800. Same premium.
A note on 2026. Through 2025 California funded an extra state enhancement on top of these designs, which produced a $0-deductible Silver 73. For 2026 the state redirected that funding to premium subsidies for households under 150% of poverty instead, so the Silver 73 deductible is back to $5,200. If you see a website still advertising a $0-deductible Silver 73, it is showing 2024 or 2025 information. Figures above are the 2026 Covered California standardized designs; income bands are approximate and depend on household size.
Not sure which tier you qualify for? Call (855) 847-7020 and we will run your income and household size against the current tables.