2026 ACA Health Insurance in California — Coverage From $0/Month
California runs its own Marketplace, Covered California, and offers extra state subsidies on top of federal tax credits — so many residents find even lower prices than the federal average. Compare California plans and your subsidy in under two minutes — free, with a licensed California agent if you want help.
Your Marketplace
California residents enroll through Covered California, the state-based Marketplace. We compare every plan available in your county.
Subsidies & savings
Medicaid expansion is in effect in California. If your household income is below the expansion threshold, you may qualify for free or low-cost Medicaid; above it, ACA premium tax credits help cover the cost of a Marketplace plan.
Enrollment window
Open Enrollment in California runs November 1 – January 31. Qualifying life events open a Special Enrollment Period year-round.
Serving all of California
From Los Angeles, San Diego, San Jose, Fresno, and Sacramento to rural counties statewide — coverage options everywhere in California.
How to get covered in California
- 1
Enter your California ZIP & a few details
Your ZIP, date of birth, household size, and estimated income let us match accurate California prices and calculate your subsidy.
- 2
Compare California plans side by side
See real prices, deductibles, and networks from top carriers in your county — with your premium tax credit already applied.
- 3
Enroll free with a licensed CA agent
A state-licensed agent confirms your details, answers questions, and enrolls you at no cost. Coverage can start the first of next month.
Common questions in California
How much does ACA health insurance cost in California?
It depends on your income, age, and county within California. Thanks to enhanced federal subsidies, a large share of applicants qualify for plans as low as $0 per month after the premium tax credit. Enter your ZIP code to see your personalized California prices in under two minutes.
Which Marketplace do I use to enroll in California?
California residents enroll through Covered California, the state-based Marketplace. A licensed ProHealthcareJournal agent can compare every plan available in your county and complete your enrollment for free.
When is Open Enrollment in California?
Open Enrollment in California generally runs November 1 – January 31. You may also qualify for a Special Enrollment Period any time of year after a qualifying life event such as losing coverage, moving, marriage, or having a baby.
Health insurance in other states
Ready to see your California plans?
It takes about two minutes to compare California options and your savings — free and with no obligation.