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. The rest of this page covers your coverage options in Los Angeles, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Los Angeles
Licensed agents can compare plans available in Los Angeles County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Los Angeles, 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.
Local health care in Los Angeles
- Before picking a plan in Los Angeles, check whether it includes UCLA Health (home of Ronald Reagan UCLA Medical Center in Westwood) and the county-run Los Angeles County Department of Health Services hospitals and clinics, which anchor much of the region's safety-net care. Source
- Los Angeles County Health Services runs public hospitals such as LA General Medical Center along with a network of clinics across the county. Source
- Public health in Los Angeles is handled by the Los Angeles County Department of Public Health, which runs public health centers and services throughout the county. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
How to get ready
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Write down the enrollment deadline and confirm your first premium payment.
- Check that the agent's license is active with the state regulator.
- Have a realistic estimate of next year's household income; subsidies are based on it.
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
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.
How much is health insurance in Los Angeles?
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. A licensed agent can quote your exact price.
Where can I buy health insurance in Los Angeles?
Through the Covered California, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
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- Marina del Rey, CA 10 miles
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