Health Insurance in California
Health insurance in California is available through Covered California, the state-based marketplace, along with health sharing, short-term plans, Medicare, and supplemental coverage. About 6.5% of California's roughly 39.0 million residents are uninsured. California expanded Medicaid, so low-income adults may qualify for free or low-cost coverage. Prices and plan choice vary across the state's 58 counties, so where you live matters. Use the guides below to find the right lane for your situation. California is a state-based marketplace: residents enroll at Covered California (coveredca.com), not HealthCare.gov. Medi-Cal (Medicaid) is expanded here. Our table puts the uninsured rate near 6.5% across 58 counties. That combination — a state exchange, expansion, and a large county grid — is why this hub is not a HealthCare.gov clone. Confirm current plans and subsidies on Covered California.
Marketplace: Covered California·Medicaid expansion: Adopted·Uninsured rate: ~6.5%·Counties: 58·Population: ~39.0M
Explore in California
- ACA Marketplace plans
Subsidy-eligible major-medical plans sold on the exchange.
- Health sharing
Member-funded medical cost sharing — not insurance.
- Short-term plans
Temporary coverage to bridge a gap — limited benefits.
- Medicare
Original Medicare, Advantage, and Medigap for 65+ and eligible.
- Medicaid
Free or low-cost coverage based on income and household.
- Dental
Standalone and bundled dental coverage options.
- Vision
Eye exams, glasses, and contacts coverage.
- Telehealth
Virtual primary and urgent care memberships.
Next step
Ready to see plans available in California?
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Frequently asked questions
- Where do I buy health insurance in California?
- California residents enroll through Covered California. You can also buy off-Marketplace plans, health sharing, or supplemental coverage directly.
- Is Medicaid available in California?
- Yes. Because California expanded Medicaid, adults under a certain income may qualify regardless of family status. Eligibility is based on income and household size.
- How much does health insurance cost in California?
- It depends on your age, county, plan tier, and — most importantly — whether you qualify for a subsidy. Many California enrollees pay well under $100/month after ACA premium tax credits. Use our calculators to estimate your cost.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- KFF (Kaiser Family Foundation) — health policy research · reviewed 2026-01-15
- U.S. Census Bureau — health insurance coverage data · reviewed 2026-01-15
- CMS Center for Consumer Information & Insurance Oversight (marketplace types) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15