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. Below you'll find how coverage works in San Jose, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near San Jose
Licensed agents can compare plans available in Santa Clara County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: San Jose, 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 San Jose
- Networks worth checking before you pick a plan in San Jose include the county-run Santa Clara Valley Healthcare system (Santa Clara Valley Medical Center, O'Connor Hospital and Regional Medical Center of San Jose) and Good Samaritan Hospital. Source
- Good Samaritan Hospital is a full-service hospital in San Jose offering emergency, surgical, women's and pediatric care. Source
- Public health in San Jose is handled by the County of Santa Clara Public Health Department. 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
- Check that the agent's license is active with the state regulator.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Write down the enrollment deadline and confirm your first premium payment.
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
How much is health insurance in San Jose?
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.
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.
Where can I buy health insurance in San Jose?
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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- East Foothills, CA 6 miles
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- Los Gatos, CA 8 miles
- Santa Clara, CA 8 miles
- Milpitas, CA 9 miles
- Saratoga, CA 10 miles
- Cupertino, CA 11 miles
- Sunnyvale, CA 11 miles
- Los Altos, CA 14 miles