Licensed agent serving Los Angeles, San Diego, San Francisco, San Jose, Sacramento and all of California • Updated March 2026
California has a state individual mandate — you may face a penalty of $900+ for being uninsured. If you're one of them — or if you're paying too much — I can help.
Call now for a free, no-obligation quote. I'll check what you qualify for in 60 seconds.
📞 (239) 688-3707Licensed in California • Free service • No obligation
California has expanded Medicaid (Medi-Cal) and has its own marketplace (Covered California). Here are your options:
The best option for most people. Full comprehensive coverage — doctors, hospital, prescriptions, mental health, preventive care. With subsidies, many California residents pay $0/month.
| Your Income | Estimated Monthly Premium in CA |
|---|---|
| Under $20,000 | $0 (Medicaid) |
| $20,000 – $30,000 | $0 – $30/month |
| $30,000 – $45,000 | $0 – $100/month |
| $45,000 – $60,000 | $50 – $200/month |
Need coverage NOW? Limited medical plans start immediately — no enrollment window. Basic coverage for doctor visits, some hospital costs. $50–$200/month. Good as a bridge until ACA enrollment.
Supplemental plans pay cash for accidents, critical illness, and hospital stays. $15–$75/month. Great paired with ACA or limited medical for extra protection.
Many California residents qualify for ACA plans with $0 monthly premiums through government subsidies. If you earn $20,000-$60,000/year, you likely qualify for significant help. The exact cost depends on your income, age, and ZIP code.
If you have a qualifying life event (lost coverage, turned 26, moved, got married, had a baby), you can enroll immediately. Otherwise, open enrollment runs November through January. Limited medical plans are available year-round.
In California, you can choose from ACA marketplace plans (comprehensive coverage with subsidies), limited medical plans (basic coverage, enroll anytime), and supplemental insurance (accident, critical illness). California has expanded Medicaid (Medi-Cal) and has its own marketplace (Covered California).
If your income is between $20,000-$60,000/year, you likely qualify for ACA subsidies that can reduce your premium to $0. If your income is below ~$20,000, you may qualify for Medicaid. I can check your eligibility in 60 seconds.
I help people in Los Angeles, San Diego, San Francisco, San Jose, Sacramento and every other city in California. Phone consultations mean I can help you no matter where you are in the state.
Ready to check your options?