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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.

Subsidized or Not?

The rates are the same whether you enroll on Covered California or directly from the carrier of your choice. There is one compelling reason to enroll on Covered California - it’s the only way to get a subsidy or reduced cost sharing. If your income makes you eligible for a subsidy you must enroll at Covered California. If your household income is over the limits shown in the chart below, off-exchange enrollment may be for you.


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Pricing Region 1 - Alpine, Del Norte, Siskiyou, Modoc, Lassen, Shasta, Trinity, Humboldt, Tehama, Plumas, Nevada, Sierra, Mendocino, Lake, Butte, Glenn, Sutter, Yuba, Colusa, Amador, Calaveras, and Tuolumne Counties
Pricing Region 2- Napa, Sonoma, Solano, and Marin Counties
Pricing Region 3 - Sacramento, Placer, El Dorado, and Yolo Counties
Pricing Region 4 - San Francisco County
Pricing Region 5 - Contra Costa County
Pricing Region 6 - Alameda County
Pricing Region 7 - Santa Clara County
Pricing Region 8 - San Mateo County
Pricing Region 9 - Santa Cruz, Monterey, and San Benito Counties
Pricing Region 10 - San Joaquin, Stanislaus, Merced, Mariposa, and Tulare Counties
Pricing Region 11 - Fresno, Kings, Madera Counties
Pricing Region 12 - San Luis Obispo, Ventura, and Santa Barbara Counties
Pricing Region 13 - Mono, Inyo, and Imperial Counties
Pricing Region 14 - Kern County
Pricing Region 15 - Los Angeles County (North)
Pricing Region 16 - Los Angeles County (South)
Pricing Region 17 - San Bernardino and Riverside Counties
Pricing Region 18 - Orange County
Pricing Region 19 - San Diego County

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