Health Insurance Plans in San Joaquin County, California (2026)
19 ACA marketplace (Obamacare) plans are available in San Joaquin County, CA, from 3 insurers. The cheapest plan starts at $413.21/month before subsidies.
That ranks 10th lowest of the 29 county areas we track in California, 8% below the statewide median of $449.07.
Last updated: October 10, 2026 · Source: Official Marketplace Data · How we calculate this
Looking for California as a whole? See what health insurance costs per month in California.
Covers Stockton, Tracy, Manteca, Lodi, Lathrop, Ripon and nearby communities.
19
Plans Available
$413.21
Cheapest Plan/mo
3
Insurers
Covered California
Exchange
Insurers With the Cheapest Plans in San Joaquin
Plans Available in San Joaquin
Sorted by monthly premium · 30-year-old · Before subsidies
Kaiser Bronze 60 HDHP HMO
Kaiser
$413.21/mo
Ded: $7,200
Kaiser Bronze 60 HMO
Kaiser
$424.20/mo
Ded: $5,800
Anthem Blue Cross Bronze 60 HDHP EPO
Anthem Blue Cross
$473.55/mo
Ded: $7,200
Anthem Blue Cross Bronze 60 EPO
Anthem Blue Cross
$474.90/mo
Ded: $5,800
Kaiser Silver 70 HMO
Kaiser
$519.91/mo
Ded: $5,200
Kaiser Gold 80 HMO Coinsurance
Kaiser
$534.34/mo
Anthem Blue Cross Silver 70 EPO
Anthem Blue Cross
$551.08/mo
Ded: $5,200
Kaiser Gold 80 HMO
Kaiser
$588.77/mo
Average Premiums in San Joaquin
Avg Bronze Plan
$515/mo
6 plans
Avg Silver Plan
$624/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in San Joaquin
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 6 | $6,500 | $5,800–$7,200 | $8,500 |
| Silver | 4 | $5,200 | $5,200 | $9,800 |
| Gold | 5 | $0 | $0 | $9,200 |
| Platinum | 4 | $0 | $0 | $5,000 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in San Joaquin County
At $23,940 a year (150% of the poverty level), a 40-year-old in San Joaquin County can get at least 2 Bronze plans for $0 a month after the premium tax credit.
| Age | Income $23,940 (150% of poverty level) | Income $31,920 (200% of poverty level) |
|---|---|---|
| 30 | $0 (2+ plans) | $69 or less |
| 40 | $0 (2+ plans) | $55 or less |
| 60 | $0 (4+ plans) | $0 (2+ plans) |
Medicaid: California expanded Medicaid, so adults earning up to 138% of the poverty level ($22,025 a year for one person, $45,540 for a family of four) usually qualify, and can apply any time of year.
California adds its own help: California Premium Subsidy. Who qualifies
2026 premiums in San Joaquin County, scaled by age with the CMS age curve; the credit uses the 2026 IRS percentages. "Or less" and "+" are because the credit is based on the second-cheapest Silver plan and only the cheapest plans are counted, both of which can only make the real figure better. Federal credit only, non-smokers. Income limits · Calculate your own credit
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Health Insurance in California
Compare California's lowest-premium plans. See how San Joaquin's $413.21/mo starting premium compares to the statewide picture.
View statewide plans Get a QuoteSee Your Actual Price
Enter your ZIP, age, and income for San Joaquin to see subsidy-adjusted prices.
Compare plansFrequently asked questions about ACA insurance in California
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 19 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 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in California start from $413.21/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, ~$22,025/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 (November 1 to 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 $413.21/month for a 30-year-old on a Bronze plan before subsidies. Most California residents who qualify for APTC pay significantly less. For a 40-year-old, the cheapest Bronze plan comes to $36 or less a month at $23,940 a year (150% of the poverty line) and $233 or less a month at $39,900 a year (250% of the poverty line) after the tax credit.
What is the cheapest health insurance option in CA for 2027?
The cheapest ACA option in CA for 2027 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.
How do I get health insurance in California?
To get health insurance in California, enroll in an ACA Marketplace plan through Covered California during Open Enrollment, which runs November 1 through January 31. Plans start at $413.21/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in California?
There is no single best health insurance plan in California; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 19 California plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in California per month?
Health insurance in California starts at $413.21 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less. For a 40-year-old, the cheapest Bronze plan comes to $36 or less a month at $23,940 a year (150% of the poverty line) and $233 or less a month at $39,900 a year (250% of the poverty line) after the tax credit. Your exact monthly cost depends on age, county, household size, and tobacco use.
Is ACA health insurance available in California?
Yes. ACA Marketplace plans are sold in every county of California through its own exchange, Covered California. Near the state's largest city there are 19 plans to compare, starting at $413.21 a month before subsidies. Open Enrollment runs November 1 through January 31; outside it you need a Qualifying Life Event.
How do I get free health insurance in California?
Free or near-free coverage in California comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for California residents on lower incomes.
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 health insurance cost in California?
Health insurance in California starts as low as $413.21/month for a 30-year-old on a Bronze plan before subsidies. For a 40-year-old, the cheapest Bronze plan comes to $36 or less a month at $23,940 a year (150% of the poverty line) and $233 or less a month at $39,900 a year (250% of the poverty line) after the tax credit. 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 $22,025/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 credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the Covered California subsidy calculator for your exact estimate.
Does California have its own health insurance subsidy?
Yes. California Premium Subsidy: Covered California adds a state subsidy on top of the federal credit for households that qualify by income and also qualify for the federal premium tax credit. This is in addition to the federal premium tax credit.
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 $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (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). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in San Joaquin
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