California Health Insurance 2025: $0 Plans & No Deductibles Statewide – Record Enrollment & Enhanced Subsidies
(Updated November 30, 2025 – Open Enrollment is LIVE on Covered California until January 31, 2026)
California leads the nation with the most affordable Marketplace health insurance in 2025, thanks to state-funded enhancements on top of federal subsidies.
Nearly 2 million Californians are enrolled through Covered California, with 90% receiving financial help averaging $500–$800/month — and millions paying $10 or less per month, including $0-premium Silver plans with $0 deductibles for low-income households. These full ACA plans cover pre-existing conditions, essential health benefits, and now include Expanded Silver 73 plans (no deductibles for incomes >200% FPL).
State enhancements ensure no deductibles on Silver CSR plans, but federal enhanced subsidies expire December 31, 2025 — potentially causing 97% premium spikes in 2026 without extension. Enroll now to lock in 2025 rates.
California 2025 Average Costs After Subsidies (40-Year-Old, 150% FPL)
| City / Area | Full Price (No Subsidy) | After Max Subsidy | You Actually Pay (Silver 94%) |
|---|---|---|---|
| Los Angeles / LA County | $528/mo | $0–$10/mo | $0 (No Deductible) |
| San Francisco / SF | $612/mo | $0–$15/mo | $0 (No Deductible) |
| San Diego / SD County | $512/mo | $0–$12/mo | $0 (No Deductible) |
| Sacramento / Sac County | $493/mo | $0–$8/mo | $0 (No Deductible) |
| Orange County | $550/mo | $0–$20/mo | $0–$20 (No Deductible) |
| Statewide Average | $528/mo | $0–$47/mo | $0–$47 (No Deductible) |
Sources: Covered California 2025 Rates; MoneyGeek Analysis Use the Covered California Plan Preview for your exact ZIP and income.
County-by-County Cheapest $0 Plans 2025 (Single Adult, Low-Income Eligible)
| County / Major City | Cheapest Carrier | Plan Name | Monthly After Subsidy | Deductible | Out-of-Pocket Max |
|---|---|---|---|---|---|
| Los Angeles | Health Net | Silver 94% CSR | $0 | $0 | $900 |
| San Francisco | Kaiser Permanente | Silver 94% | $0 | $0 | $1,200 |
| San Diego | Valley Health Plan | Silver 94% CSR | $0 | $0 | $1,500 |
| Sacramento | Western Health Advantage | Silver 94% | $0 | $0 | $900 |
| Orange | Molina Healthcare | Silver 94% CSR | $0–$20 | $0 | $1,800 |
| Riverside / San Bernardino | Blue Shield | Silver 94% | $0 | $0 | $2,000 |
| Fresno | Kaiser Permanente | Silver 94% | $0–$15 | $0 | $1,500 |
| Alameda / Contra Costa | Anthem Blue Cross | Silver 94% CSR | $0 | $0 | $2,200 |
Preview your county instantly: Covered California Shop & Compare
Top 7 Cheapest Carriers in California 2025 (Ranked by Affordability & Coverage)
- Health Net – Cheapest overall ($367/mo avg full price); dominates LA & Central Valley; $0 Silver statewide
- Valley Health Plan – Lowest deductibles ($0 CSR); strong in rural & Inland Empire
- Kaiser Permanente – Integrated HMO (5-star CMS); cheapest in Northern CA & SF Bay Area
- Western Health Advantage – Affordable Silver 94% ($0 plans); Sacramento & North Bay focus
- Molina Healthcare – $0 for <150% FPL; urban & Latino communities
- Blue Shield of CA – Wide network; Enhanced Silver 73 ($0 deductibles >200% FPL)
- Anthem Blue Cross – Competitive in SoCal; telehealth perks
Pro Tip: California’s state-funded CSRs mean $0 deductibles on all Silver plans for eligible enrollees — better than federal standards. Over 1.3 million uninsured qualify but haven’t enrolled yet.
Why California Plans Are Unbeatable in 2025 (State Leadership Amid Federal Uncertainty)
- 11+ carriers statewide (highest competition)
- State reinsurance + $165M enhanced CSR funding = $0 deductibles for all Silver enrollees
- Enhanced federal subsidies: 90% qualify, but expire 12/31/2025 — state plans $190M aid for <150% FPL in 2026 to cap hikes
- Short-term plans $80–$150/mo available, but no subsidies or pre-existing coverage
For self-employed Californians: Stack subsidies + state tax credits for near-$0 cost + Medi-Cal eligibility check.
Deadlines – Enroll Now to Lock In $0 for 2026
- December 15, 2025 → January 1 coverage
- January 31, 2026 → Final deadline (Feb 1 start)
Related Guides on Our Site
→ Cheapest Health Insurance 2025 (National Guide)
→ Health Insurance for Self-Employed 2025
→ $0 Health Insurance 2025
→ Florida Health Insurance 2025
→ Texas Health Insurance 2025
→ Georgia Health Insurance 2025
California’s Covered California sets the gold standard — head to Covered California now, enter your ZIP, and see $0 plans with no deductibles. With record 2M+ enrollment, this is your window before 2026 uncertainty hits.
