We are in the process of adding California Obamacare plans, which are eligible for a subsidy to reduce costs. The plans shown may or may not be eligible for a subsidy.

Enter your Zip Code to show plans available only in your area:

Plan Name On or Off Exchange Plan eligible for subsidy? Metal Level Deductible (individual/family) Out-of-pocket Max (individual/family)
Minimum Coverage HMO by Aetna CVS Health Off Catastrophic $9,450 / $18,900 $9,450 / $18,900 Price & Details
Minimum Coverage HMO by Chinese Community Health Plan Off Catastrophic $9,450 / $18,900 $9,450 / $18,900 Price & Details
Minimum Coverage HMO by Chinese Community Health Plan Off Catastrophic $9,450 / $18,900 $9,450 / $18,900 Price & Details
Minimum Coverage HMO by Anthem Blue Cross Off Catastrophic $9,450 / $18,900 $9,450 / $18,900 Price & Details
Minimum Coverage Performance HMO by Sharp Health Plan Off Catastrophic $9,450 / $18,900 $9,450 / $18,900 Price & Details
Minimum Coverage EPO by Anthem Blue Cross Off Catastrophic $9,450 / $18,900 $9,450 / $18,900 Price & Details
Bronze 60 HDHP HMO by Aetna CVS Health Off Bronze $7,050 / $14,100 $7,050 / $14,100 Price & Details
Bronze 60 HDHP HMO by Chinese Community Health Plan Off Bronze $7,050 / $14,100 $7,050 / $14,100 Price & Details
(2024) Bronze MI04 HMO by Sutter Health Plan Off Bronze $6,300 / $12,600 $9,100 / $18,200 Price & Details
Bronze 60 HMO by Aetna CVS Health Off Bronze $6,300 / $12,600 $9,100 / $18,200 Price & Details
Bronze 60 HDHP HMO by Chinese Community Health Plan Off Bronze $7,050 / $14,100 $7,050 / $14,100 Price & Details
Bronze 60 HMO by Chinese Community Health Plan Off Bronze $6,300 / $12,600 $9,100 / $18,200 Price & Details
Bronze 60 HMO by Chinese Community Health Plan Off Bronze $6,300 / $12,600 $9,100 / $18,200 Price & Details
Bronze 60 HDHP EPO by Anthem Blue Cross Off Bronze $7,050 / $14,100 $7,050 / $14,100 Price & Details
Bronze 60 EPO by Anthem Blue Cross Off Bronze $6,300 / $12,600 $9,100 / $18,200 Price & Details
Bronze 60 HMO by Anthem Blue Cross Off Bronze $6,300 / $12,600 $9,100 / $18,200 Price & Details
Bronze 60 Performance HMO by Sharp Health Plan Off Bronze $6,300 / $12,600 $9,100 / $18,200 Price & Details
Bronze 60 HDHP Premier HMO by Sharp Health Plan Off Bronze $7,050 / $14,100 $7,050 / $14,100 Price & Details
Silver 70 HMO by Chinese Community Health Plan Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
Silver 70 Off-Exchange HMO by Chinese Community Health Plan Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
(2024) Silver MI03 HMO by Sutter Health Plan Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
Silver 70 Off-Exchange HMO by Chinese Community Health Plan Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
Silver 70 HMO Off Exchange by Aetna CVS Health Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
Silver 70 HMO by Aetna CVS Health Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
Active Choice Silver PPO by Chinese Community Health Plan Off Silver / $7,700 / $15,400 Price & Details
Amber 50 Silver HMO by Chinese Community Health Plan Off Silver $2,750 / $5,500 $7,500 / $15,000 Price & Details
Silver 70 Off Exchange HMO by Anthem Blue Cross Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
Silver 70 HMO by Chinese Community Health Plan Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
Silver 70 Off Exchange EPO by Anthem Blue Cross Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
Silver 70 Off Exchange Premier HMO by Sharp Health Plan Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
Silver 70 Off Exchange Performance HMO by Sharp Health Plan Off Silver $5,400 / $10,800 $9,100 / $18,200 Price & Details
(2024) Gold MI02 HMO by Sutter Health Plan Off Gold $0 / $0 $8,700 / $17,400 Price & Details
Gold 80 HMO by Chinese Community Health Plan Off Gold $0 / $0 $8,700 / $17,400 Price & Details
Gold 80 HMO by Chinese Community Health Plan Off Gold $0 / $0 $8,700 / $17,400 Price & Details
Gold 80 HMO by Aetna CVS Health Off Gold $0 / $0 $8,700 / $17,400 Price & Details
Gold 80 EPO by Anthem Blue Cross Off Gold $0 / $0 $8,700 / $17,400 Price & Details
Gold 80 HMO by Anthem Blue Cross Off Gold $0 / $0 $8,700 / $17,400 Price & Details
Gold 80 Premier HMO by Sharp Health Plan Off Gold $0 / $0 $8,700 / $17,400 Price & Details
Gold 80 Performance HMO by Sharp Health Plan Off Gold $0 / $0 $8,700 / $17,400 Price & Details
Platinum 90 HMO by Anthem Blue Cross Off Platinum $0 / $0 $4,500 / $9,000 Price & Details
(2024) Platinum MI01 HMO by Sutter Health Plan Off Platinum $0 / $0 $4,500 / $9,000 Price & Details
Jade 15 Platinum HMO by Chinese Community Health Plan Off Platinum $0 / $0 $3,000 / $6,000 Price & Details
Platinum 90 HMO by Chinese Community Health Plan Off Platinum $0 / $0 $4,500 / $9,000 Price & Details
Platinum 90 HMO by Chinese Community Health Plan Off Platinum $0 / $0 $4,500 / $9,000 Price & Details
Platinum 90 HMO by Aetna CVS Health Off Platinum $0 / $0 $4,500 / $9,000 Price & Details
Platinum 90 EPO by Anthem Blue Cross Off Platinum $0 / $0 $4,500 / $9,000 Price & Details
Platinum 90 Premier HMO by Sharp Health Plan Off Platinum $0 / $0 $4,500 / $9,000 Price & Details
Platinum 90 Performance HMO by Sharp Health Plan Off Platinum $0 / $0 $4,500 / $9,000 Price & Details

 

 

After using a subsidy tax credit, you may be eligible for Obamacare plans as low as $0.

Licensed insurance agents at our trusted partner help people apply for a subsidy and sign up for Obamacare plans available on healthcare.gov or other State exchange marketplaces.

 

 

 

What are Obamacare Health Insurance Plans?

Obamacare health insurance plans are plans which are eligible for reduced costs with a subsidy tax credit. Obamacare plans are only offered through the federal government exchange marketplace healthcare.gov or some States have their own exchange marketplace website. Although plans are only offered through the exchange marketplaces, the federal government allows certified brokers, agents, and web brokers to help you enroll in an Obamacare plan and apply for a subsidy.

 

What are Off-Exchange Health Insurance Plans?

Off-Exchange health insurance plans are plans which are available outside of the federal government exchange marketplaces. Off-Exchange plans existed before Obamacare. For example, if someone did not have access to a health insurance plan through work, they may have purchased an Off-Exchange plan offered on the Individual Market.

You can enroll in an Off-Exchange plan through a broker, agent, web broker, or by contacting the insurance company directly.

 

Search Off-Exchange plans

 

What’s the difference between Obamacare plans and Off-Exchange plans?

The main difference between Obamacare plans and Off-Exchange plans is that only Obamacare plans are eligible for a subsidy tax credit to reduce costs.

Otherwise there are not many other differences between Obamacare plans and Off-Exchange plans. Plan design, coverage, and rates are similar and both sets of plans must adhere to federal government regulations. In fact, there are many plans which are available as both Obamacare plans and as Off-Exchange plans.

 

Can a plan be both an Obamacare and Off-Exchange plan?

Yes, a plan can be available as both an Obamacare and an Off-Exchange plan.

On the other hand, some plans are only offered as Obamacare plans while other plans are only offered as Off-Exchange plans.

 

Do plans which are both Obamacare and Off-Exchange plans cost the same price?

Yes, by law a plan which is offered as both an Obamacare plan and an Off-Exchange plan must be sold at the same price. In addition, broker, agents, and web brokers are required to sell plans at the same market price. However, keep in mind that only Obamacare plans are eligible for a subsidy to reduce the monthly premium price.

 

Who is eligible for Obamacare and Off-Exchange plans?

Technically everyone is eligible for Obamacare plans and Off-Exchange plans. The real question is - who is eligible for a subsidy tax credit? - which can only be used to reduce the costs of Obamacare plans. Note that even if you are not eligible for a subsidy tax credit, you are still allowed to purchase an Obamacare plan at the full price.

 

What is the Obamacare Subsidy (Tax Credit)?

The Obamacare subsidy is really a tax credit, and it is formally known as the Advanced Premium Tax Credit (APTC). Typically people receive a tax credit at the end of the year when filing taxes, but this tax credit can be received “in advance”, during the year, to reduce the monthly premium costs of an Obamacare health insurance plan.

You must complete an official federal government application to learn your subsidy amount. Everyone’s amount will be different. The calculation for the subsidy amount can be quite complicated. It is based on several different factors, but household income is the main factor. We recommend using our tool to estimate your subsidy amount.

 

Search Obamacare plans and estimate subsidy amount

 

Who is eligible to receive an Obamacare Subsidy (Tax Credit)

To be eligible for a subsidy to reduce the monthly premium costs of Obamacare plans, you must meet the following requirements.

  • Income requirements based on household size and household income. As examples, earn less than $48,240 for an individual and less than $98,400 for a family of four
  • Not eligible for other federal government sponsored insurance, such as Medicare or Medicaid
  • Do not have access to a health insurance plan from your employer which meet federal government coverage and affordability requirements
  • File taxes or be claimed as a spouse or dependent on taxes. Married couples are required to file taxes jointly.
  • Not be incarcerated
  • Be legally present in the United States

 

Why should I consider Off-Exchange plans?

Off-Exchange plans may provide you with additional options compared to available Obamacare plans. If you are not eligible for a subsidy, or only eligible for a small subsidy amount, Off-Exchange plans may still be an affordable option for you.

A second reason for considering Off-Exchange plans is that your favorite doctor may only accept a plan which is available as an Off-Exchange plan. We recommend researching provider networks when considering health insurance plans. We provide links to official provider directories, or doctor lookups, on Health Plan Radar.

In addition, some health insurance companies have been leaving the Obamacare plan market, but they may still offer Off-Exchange plans. Your preferred insurance company may still offer plans on the Off-Exchange market.

 

How do I choose an Obamacare plan or Off-Exchange plan which is best for me and my family?

There are several health insurance concepts you should understand before choosing a plan that’s best for you, including premium price, out-of-pocket costs, deductibles, and plan metal levels. Visit our choosing a plan FAQ page to learn more.

 

FAQs - Choosing an Obamacare or Off-Exchange Health Insurance Plan