Health Insurance in Inland Empire — Riverside & San Bernardino Counties, CA — 2026 Plans & Premiums
34 ACA marketplace plans are available in Inland Empire — Riverside & San Bernardino Counties, CA, from 4 insurers. The cheapest plan starts at $368.89/month before subsidies.
Insurers price these 2 counties identically, so plan availability and premiums below apply to all of them:
- Riverside County
- San Bernardino County
34
Plans Available
$368.89
Cheapest Plan/mo
4
Insurers
Covered California
Exchange
Insurers Serving Inland Empire — Riverside & San Bernardino Counties
Plans Available in Inland Empire — Riverside & San Bernardino Counties
Sorted by monthly premium · 30-year-old · Before subsidies
Kaiser Bronze 60 HDHP HMO
Kaiser
$368.89/mo
Ded: $7,200
Inland Empire Health Plan Bronze 60 HMO
Inland Empire Health Plan
$377.77/mo
Ded: $5,800
Molina Health Care Bronze 60 HMO
Molina Health Care
$377.85/mo
Ded: $5,800
Health Net Bronze 60 HDHP Ambetter PPO
Health Net
$378.19/mo
Ded: $7,200
Kaiser Bronze 60 HMO
Kaiser
$378.69/mo
Ded: $5,800
Health Net Bronze 60 Ambetter PPO
Health Net
$386.14/mo
Ded: $5,800
Health Net Silver 70 Ambetter HMO
Health Net
$402.21/mo
Ded: $5,200
Inland Empire Health Plan Silver 70 HMO
Inland Empire Health Plan
$410.75/mo
Ded: $5,200
Average Premiums in Inland Empire — Riverside & San Bernardino Counties
Avg Bronze Plan
$409/mo
6 plans
Avg Silver (Subsidy Benchmark)
$473/mo
Eligible for CSR cost reductions
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Compare plansFrequently asked questions about ACA insurance in California
Which counties does this California health insurance page cover?
This page covers 2 California counties: Riverside County, San Bernardino County. Insurers offer the same plans at the same premiums across all of them, so the 34 plans and $368.89/month starting price shown here apply to every one.
What is the health insurance marketplace in California?
The California (CA) health insurance marketplace is Covered California (https://www.coveredca.com/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 34 plans with live premium data. Open Enrollment runs November 1 through January 31.
How do I compare health insurance plans in California?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in California start from $368.89/month before subsidies.
Which Medicaid plan is best in California?
There is no single "best" Medicaid plan in California — Medicaid is administered through MCOs such as Blue Shield of California, Anthem Blue Cross, Kaiser Permanente. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at Covered California. Apply year-round through your state Medicaid office.
Is short-term health insurance available in California?
Short-term health insurance is sold outside the ACA Marketplace in California by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at Covered California during Open Enrollment (Nov 1–January 31). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in CA?
Health insurance in CA starts as low as $368.89/month for a 30-year-old on a Bronze plan before subsidies. Most California residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in CA for 2026?
The cheapest ACA option in CA for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact California plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in California for ACA plans?
Open Enrollment for California residents runs from November 1 through January 31. California runs its own exchange (Covered California), which set the January 31 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in California?
Bronze-tier plans in California start as low as $368.89/month for a 30-year-old before subsidies. With APTC tax credits, many California residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does California use HealthCare.gov or its own state exchange?
California runs its own state-based Marketplace called Covered California (https://www.coveredca.com/). You enroll there directly — not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by California, not the federal government.
Has California expanded Medicaid under the ACA?
Yes. California has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in California?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. California residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the Covered California subsidy calculator for your exact estimate.
What are the metal tiers in California (Bronze, Silver, Gold, Platinum)?
California ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in California?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in California through Covered California. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do California ACA plans cover dental and vision?
California ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most California plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through Covered California or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in California?
Outside Open Enrollment, California residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through Covered California.
How do I find in-network doctors and hospitals in California?
Each California ACA plan has its own provider network. Before enrolling, look up the plan on Covered California, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Inland Empire — Riverside & San Bernardino Counties
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Inland Empire — Riverside & San Bernardino Counties compares to the California state average.
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