California Health Insurance Cost Calculator
Estimate health insurance costs in California. Average premium ~$640/mo, see ACA subsidy eligibility, deductible impact, and total annual healthcare costs.
How This Calculator Works
Calculation methodology and assumptions
Health insurance cost estimation for California. Premium estimates based on ACA marketplace benchmarks adjusted for California's cost of living index (142.2). ACA subsidies are calculated using Federal Poverty Level guidelines — households earning 100-400% FPL qualify for premium tax credits. Out-of-pocket costs include deductible plus coinsurance on medical expenses. Actual premiums vary by plan tier (Bronze/Silver/Gold/Platinum), insurer, and county.
Key State Information
California health insurance context: Estimated avg premium ~$640/mo | Cost of living index 142.2 | Median income $91,905 | HSA contributions are state tax-deductible.
Frequently Asked Questions
How much does health insurance cost in California?
The average individual health insurance premium in California is approximately $640/month ($7,680/year) for a Silver plan. Family plans cost 2-3x more. ACA subsidies can reduce this significantly — a household earning $50,000 may qualify for $200-400/month in premium tax credits.
Do I qualify for ACA subsidies in California?
You may qualify if your household income is between 100-400% of the Federal Poverty Level (roughly $14,580-$58,320 for an individual in 2026). California has a higher cost of living, so many residents find ACA subsidies essential.
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