Anthem Blue Cross California is the largest health insurance company in the state with over 5 million members in almost all California counties. They offer health plans that can be customized for individuals, children, and families that include consumer-directed plans, Health Savings Accounts, and Medicare Supplements. Anthem Blue Cross of California is the only ACA carrier that offers PPOs on the individual market; however, EPO and Ambetter plans offer the added option of using providers outside the state without referrals in many cases.

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.

Anthem Blue Cross Dental Plans

 Dental Plans Brochure  Application With the Anthem Blue Cross dental plan, you’ll get dental coverage on day one with no deductible deductible required for check-ups, cleanings and other preventive services. Most important, costs are typically reduced when you receive care from any of our participating network dentists. However, you also have the option to see any dentist not in the network, but your out-of-pocket costs may be higher. Some highlights of Dental Indemnity USA coverage:

• Coverage can be used to provide dental benefits to an individual, spouse, children or any combination of dependents.
• A $50 deductible, based on fee schedule allowances, applies for dental procedures or services received by a covered individual during each benefit year.
• Maximum deductible amount of $150 for family coverage.
• Deductibles do not apply to oral exams, cleanings, fluoride treatments, sealants and X-rays.
• $1,000 orthodontia benefit for children under 19 years old

For more information on coverage and benefits, view the Dental Outline of Coverage  You must enroll in a Anthem Blue Cross health plan in order to enroll in the dental plan (you have up to 31 days from the effective date of your policy to enroll). Shop for a plan now.

Contact Us

Phone: 855-847-7020 Email: help@ihealthagents.com