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California Health Insurance Plans and Rates

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Covered California Rates

California is divided into 19 pricing regions. Rates vary by region with rates generally higher in Northern California than Southern California. So your zip code is one of the two factors that determine your monthly rate. The other factor is your age. As you would expect rates increase with age. The rates for a 64 year old are 3 times higher than a 21 year old.

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Subsidized or Not?

There is one compelling reason to enroll on Covered California - it’s the only way to get a subsidy and reduced cost sharing. If your income makes you eligible for a subsidy you must enroll at Covered California. If not eligible for a subsidy, you should enroll directly with the carrier of your choice. Check for subsidy eligibility

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