California Health Insurance Plans

2027 Off-Exchange plans

142 plans across the state

Off-Exchange plans

California runs its own marketplace — Health Plan Radar shows Off-Exchange plans here, sold directly by the insurance companies.

Minimum Coverage HMO
by Western Health Advantage
Catastrophic HSA eligible HMO
Deductible · ind / family
$12,000 / $24,000
Out-of-pocket max · ind / family
$12,000 / $24,000
Minimum Coverage HMO
by Western Health Advantage
Catastrophic HSA eligible HMO
Deductible · ind / family
$12,000 / $24,000
Out-of-pocket max · ind / family
$12,000 / $24,000
Minimum Coverage PPO
by Blue Shield of California
Catastrophic HSA eligible PPO
Deductible · ind / family
$12,000 / $24,000
Out-of-pocket max · ind / family
$12,000 / $24,000
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 HMO
by Western Health Advantage
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 PPO
by Blue Shield of California
Bronze HSA eligible PPO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 HDHP PPO
by Blue Shield of California
Bronze HSA eligible PPO
Deductible · ind / family
$7,800 / $15,600
Out-of-pocket max · ind / family
$7,800 / $15,600
Bronze 7250 PPO
by Blue Shield of California
Bronze PPO
Deductible · ind / family
$7,250 / $14,500
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 HMO
by Western Health Advantage
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Bronze 60 Trio HMO
by Blue Shield of California
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$11,650 / $23,300
Silver 70 HMO
by Western Health Advantage
Silver HMO
Deductible · ind / family
$4,700 / $9,400
Out-of-pocket max · ind / family
$11,650 / $23,300
Silver 70 HMO
by Western Health Advantage
Silver HMO
Deductible · ind / family
$4,700 / $9,400
Out-of-pocket max · ind / family
$11,650 / $23,300
Silver 1850 PPO
by Blue Shield of California
Silver PPO
Deductible · ind / family
$1,850 / $3,700
Out-of-pocket max · ind / family
$11,500 / $23,000
Silver 70 PPO
by Blue Shield of California
Silver PPO
Deductible · ind / family
$4,700 / $9,400
Out-of-pocket max · ind / family
$11,650 / $23,300
Silver 70 HMO
by Western Health Advantage
Silver HMO
Deductible · ind / family
$4,700 / $9,400
Out-of-pocket max · ind / family
$11,650 / $23,300
Silver 70 HMO
by Western Health Advantage
Silver HMO
Deductible · ind / family
$4,700 / $9,400
Out-of-pocket max · ind / family
$11,650 / $23,300
Silver 2800 HDHP PPO
by Blue Shield of California
Silver HSA eligible PPO
Deductible · ind / family
$2,800 / $5,600
Out-of-pocket max · ind / family
$8,700 / $17,400
Gold 80 HMO
by Western Health Advantage
Gold HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,600 / $19,200
Gold 80 PPO
by Blue Shield of California
Gold PPO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,600 / $19,200
Gold 80 HMO
by Western Health Advantage
Gold HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,600 / $19,200
Platinum 90 HMO
by Western Health Advantage
Platinum HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$5,500 / $11,000
Platinum 90 PPO
by Blue Shield of California
Platinum PPO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$5,500 / $11,000
Platinum 90 HMO
by Western Health Advantage
Platinum HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$5,500 / $11,000

Frequently asked questions

What are Obamacare health insurance plans?

Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.

What are Off-Exchange health insurance plans?

Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.

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

The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.

How do I choose the plan that's best for me and my family?

Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.

FAQs — choosing a health insurance plan →