Health Insurance Cost in California

Health insurance premiums in California vary by household size and plan type. Single coverage averages $550, while family plans average $1,500 monthly.

Premium Ranges by Household Size

Single Person

Monthly premium

Low End:$380

Average:$550

High End:$850

Couple

Monthly premium

Low End:$760

Average:$1,100

High End:$1,700

Family of 4

Monthly premium

Low End:$1,100

Average:$1,500

High End:$2,200

Health Insurance in California: Key Facts

Where to Buy

For ACA-compliant plans and subsidies, residents use Covered California.

Major Carriers

Common insurers in the state include:

Kaiser PermanenteBlue Shield of CaliforniaAnthem Blue CrossHealth Net

Detailed Cost Breakdowns

Single Person Coverage

Monthly premiums range from $380 to $850

View details →

Couple Coverage

Monthly premiums range from $760 to $1,700

View details →

Family of 4 Coverage

Monthly premiums range from $1,100 to $2,200

View details →

Related Resources

ACA subsidy examples for California
See how subsidies can reduce your monthly premium
Income limits for ACA subsidies
Check if you qualify for financial assistance
Medical procedure costs in California
Understand out-of-pocket costs for common procedures

Information Sources

Sources & Disclaimer

Sources:

HealthCare.gov — Official ACA marketplace information and plan data
CMS Public Use Files — Federal marketplace enrollment and premium data
KFF Health Reform Analysis — Independent analysis of marketplace premium trends

Last Updated: January 2026

Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.