Reviewed by a licensed health insurance agent. HealthPlusLife agents are licensed in all 50 states. Plan data sourced from Healthcare.gov, CMS.gov, and KFF Health Policy. Call 888-828-5064.
Individual Health Insurance in California 2026
Compare U65 private, ACA marketplace, and off-exchange plans in California. Licensed agents compare all carriers at no cost. Call 888-828-5064.
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Quick Answer: Individual health insurance in California costs $160 to $500 per month for a U65 private plan and $240 to $730 per month for an unsubsidized ACA plan in 2026. For healthy California residents above the ACA subsidy threshold, U65 private plans typically cost 20 to 40 percent less. Call 888-828-5064 for a free multi-carrier comparison for your California zip code.
📊 According to KFF Health Policy, California has a substantial population of individually insured adults outside employer coverage, including self-employed workers, early retirees, and adults between jobs. California has the largest individual health insurance market in the country, driven by its massive technology, entertainment, and gig economy workforces with high rates of self-employment and contractor arrangements.
Individual Health Insurance Options in California
| Plan Type | Monthly Cost | Enrollment | Key Carriers |
|---|---|---|---|
| U65 Private Plan | $160 to $500 | Year-round, any day | UnitedHealthcare, Aetna, Cigna, Kaiser Permanente (off-exchange) |
| ACA Marketplace | $0 to $650 with subsidy | Open enrollment or SEP | Covered California: Blue Shield, Anthem, Kaiser, Oscar, Chinese Community, Valley Health |
| Medicaid | Free to low cost | Year-round | California Medicaid program |
California expanded Medi-Cal in 2014 and extended coverage to all income-eligible adults regardless of immigration status. Adults earning up to 138 percent of the FPL qualify for Medi-Cal. California’s state exchange, Covered California, offers ACA plans from Blue Shield, Anthem, Kaiser, and others. Covered California also administers enhanced state subsidies beyond federal ACA credits.
Compare California Health Insurance Plans Now
A licensed HealthPlusLife agent compares all available California plans simultaneously in one 10-minute call. Call 888-828-5064 | TTY 711 | Free quote.
U65 Private Health Insurance in California
| Age | U65 Private Monthly | ACA Unsubsidized Monthly | Annual Savings with U65 |
|---|---|---|---|
| 30 | $165 to $250 | $270 to $390 | Up to $1,500/yr |
| 40 | $220 to $360 | $320 to $470 | Up to $1,800/yr |
| 50 | $320 to $490 | $440 to $650 | Up to $1,920/yr |
| 60 | $430 to $640 | $630 to $940 | Up to $2,520/yr |
California is one of our active individual insurance markets. We work with self-employed professionals, early retirees, and workers between jobs across all regions of the state. U65 private plans consistently deliver strong coverage at lower premiums than the ACA marketplace for eligible clients.
Licensed HealthPlusLife Agent
California Cities and Counties We Serve
HealthPlusLife serves all California counties and cities including Los Angeles, San Diego, San Francisco, San Jose, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, and Anaheim and all surrounding communities.
- Call 888-828-5064
- Share your California zip code, age, and income
- Compare U65 and ACA options side by side
- Verify your doctors are in-network
- Enroll in minutes
Related State and Individual Plan Guides
Get Your California Health Insurance Quote Today
Speak to a licensed HealthPlusLife agent today. We compare U65, private, and ACA plans at no cost to you.
Licensed in all 50 states | Free quote | No obligation | Coverage as fast as tomorrow
Related guides: Washington state health insurance | Arizona health insurance | self-employed health insurance
