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Health Insurance Near Me in California

652 cities · Covered California · coverage for people under 65

Before subsidies, the average benchmark silver plan for a 40-year-old in California costs $655 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.

This page lists top-rated local agencies across California by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.

How health insurance works in California

People in California buy marketplace coverage through Covered California. Open enrollment runs from November 1 through January 31. Medi-Cal covers adults with income up to 138% of the poverty level. 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. Short-term health plans are not sold in the state.

Agent licensing in California

  • The California Department of Insurance licenses insurance agents and brokers and oversees insurers in the state. Consumers can file complaints with the department through its website. Source
  • California offers a free online Check a License tool from the Department of Insurance. You can search by license number or name to see an agent's or broker's license status and any disciplinary history. Source
  • In California, health insurance, including disability coverage, is sold under an Accident and Health Agent license. Source

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.

Compare plans statewide

Licensed agents can quote plans from multiple California carriers in one call.

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Health insurance by city in California

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Call 866-645-8540Licensed agents · free plan comparison