Health insurance cost in California
The benchmark silver Marketplace plan for a 40-year-old costs $570 a month in California in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.
Health insurance cost
$570
a month
A year
$6,840
Rank
19 of 51
1 = cheapest; −9% vs U.S.
| State | Health insurance cost | Rank |
|---|---|---|
| Colorado | $557 | 17 |
| South Carolina | $564 | 18 |
| California | $570 | 19 |
| North Dakota | $570 | 20 |
| Pennsylvania | $572 | 21 |
| U.S. | $625 | - |
Common questions
How much is health insurance in California?
The benchmark silver Marketplace plan for a 40-year-old costs $570 a month in California in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.
Is health insurance in California expensive?
California ranks 19 of 51 (1 = cheapest). The U.S. average is $625 a month.
Add it to a full month with the budget by state tool.
More for California: monthly budget · take-home pay · rent.