Before subsidies, the average benchmark silver plan for a 40-year-old in California costs $655 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. Keep reading for what's sold in San Mateo County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Half Moon Bay
Licensed agents can compare plans available in San Mateo County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Half Moon Bay, CA
| Where to enroll | Covered California |
|---|---|
| Average benchmark silver, age 40 (2027) | $655/mo before subsidies |
| Marketplace insurers in California (2027) | 12 |
| Medicaid expansion | Yes |
| Short-term plans | Not sold |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
A quick checklist
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Check that the agent's license is active with the state regulator.
- Ask each agent which carriers they can quote in your county.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
Free enrollment help in California
Covered California certified enrollers and certified insurance agents give free in-person help through the Find Free Local Help tool; Covered California says help is always free. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in California?
For 2027, marketplace plans in California come from 12 insurers: Anthem Blue Cross, Blue Shield of California, Balance by CCHP, Health Net (Ambetter), Inland Empire Health Plan, Kaiser Permanente, L.A. Care Health Plan, Molina Healthcare, Sharp Health Plan, Valley Health Plan, Western Health Advantage and CalOptima Health. Not every insurer sells in every county.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Medi-Cal. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Where can I buy health insurance in Half Moon Bay?
Through the Covered California, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- El Granada, CA 3 miles
- Hillsborough, CA 8 miles
- Belmont, CA 8 miles
- Burlingame, CA 9 miles
- San Mateo, CA 9 miles
- Millbrae, CA 9 miles
- San Carlos, CA 10 miles
- Pacifica, CA 10 miles
- Woodside, CA 10 miles
- San Bruno, CA 11 miles