How Much Is Health Insurance in California Per Month?

Health insurance is a crucial aspect of financial planning, especially in states like California where the cost of living can be high. This article consolidates information from various sources to provide an overview of monthly health insurance costs in California.


California offers a variety of health insurance plans, each with its own set of benefits and costs. The monthly premium for health insurance can vary based on factors such as age, location, and the type of plan chosen.

Most Affordable Health Insurance Plans in 2023

The Silver 70 HMO plan from LA Care is highlighted as the most affordable Silver health insurance plan in California. However, the cost can vary depending on age and specific coverage needs. Other notable providers offering competitive rates include Oscar, Health Net, and Anthem (Blue Cross Blue Shield).

Breakdown by Metal Tier

  • Platinum: LA Care Platinum 90 HMO ($394 per month)
  • Gold: LA Care Gold 80 HMO ($346 per month)
  • Silver: LA Care Silver 70 HMO ($331 per month)
  • Bronze: LA Care Bronze 60 HMO ($271 per month)
  • Catastrophic: Health Net Minimum Coverage Ambetter HMO ($188 per month for a 26-year-old)

It’s essential to note that while higher metal tiers like Platinum and Gold offer more coverage, they also come with higher monthly premiums. However, they can be beneficial for those who require frequent medical care.

Plan Types in California

The most common plan type in California is the Health Maintenance Organization (HMO). Other available plan types include Exclusive Provider Organization (EPO) and Preferred Provider Organization (PPO). Here’s a quick overview of the cheapest Silver plans for these types:

  • EPO: Silver 70 EPO from Oscar ($558 per month)
  • PPO: Silver 70 Ambetter PPO from Health Net ($531 per month)

Cost Variation by County

The availability and cost of health insurance plans can differ by county. For instance, plans in San Diego, Orange, and San Bernardino might have different rates than those in Madera or Imperial. It’s advisable to check the specific rates for your county to get an accurate estimate.

Age and Its Impact on Premiums

Health insurance premiums can vary significantly based on age. For instance, a Silver plan that costs $369 per month for a teenager might cost $400 for an adult and $1,096 for a senior.

Final Thoughts

Choosing the right health insurance plan requires careful consideration of your medical needs, budget, and preferred healthcare providers. It’s always a good idea to compare different plans, consider the coverage they offer, and evaluate their costs before making a decision.

Source: Compiled from various authoritative sources, including Benzinga, ValuePenguin, CoveredCA, eHealthInsurance, Gov.CA, AffordableHealthInsurance, and MoneyGeek.

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