California Health Insurance Plans

2026 Off-Exchange plans

340 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 Chinese Community Health Plan
Catastrophic HMO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Minimum Coverage HMO
by Anthem Blue Cross
Catastrophic HSA eligible HMO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Minimum Coverage PPO
by Blue Shield of California
Catastrophic HSA eligible PPO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Minimum Coverage HMO
by Valley Health Plan
Catastrophic HSA eligible HMO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Minimum Coverage HMO
by Chinese Community Health Plan
Catastrophic HMO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Minimum Coverage EPO
by Anthem Blue Cross
Catastrophic HSA eligible EPO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Bronze 60 HMO
by Chinese Community Health Plan
Bronze HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$9,800 / $19,600
Bronze 60 HDHP HMO
by Chinese Community Health Plan
Bronze HMO
Deductible · ind / family
$7,200 / $14,400
Out-of-pocket max · ind / family
$7,200 / $14,400
Bronze 60 HDHP HMO
by Chinese Community Health Plan
Bronze HMO
Deductible · ind / family
$7,200 / $14,400
Out-of-pocket max · ind / family
$7,200 / $14,400
Bronze 60 HMO
by Chinese Community Health Plan
Bronze HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$9,800 / $19,600
Bronze 60 HMO
by IEHP Covered
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$9,800 / $19,600
Bronze 60 HMO
by Valley Health Plan
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$9,800 / $19,600
Bronze 60 HMO
by Anthem Blue Cross
Bronze HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$9,800 / $19,600
Bronze 60 HDHP EPO
by Anthem Blue Cross
Bronze HSA eligible EPO
Deductible · ind / family
$7,200 / $14,400
Out-of-pocket max · ind / family
$7,200 / $14,400
Bronze 60 EPO
by Anthem Blue Cross
Bronze HSA eligible EPO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$9,800 / $19,600
Bronze 60 HDHP PPO
by Blue Shield of California
Bronze HSA eligible PPO
Deductible · ind / family
$7,200 / $14,400
Out-of-pocket max · ind / family
$7,200 / $14,400
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
$9,800 / $19,600
Silver 1750 PPO
by Blue Shield of California
Silver PPO
Deductible · ind / family
$1,750 / $3,500
Out-of-pocket max · ind / family
$9,250 / $18,500
Silver 70 PPO
by Blue Shield of California
Silver PPO
Deductible · ind / family
$5,200 / $10,400
Out-of-pocket max · ind / family
$9,800 / $19,600
Silver 2600 HDHP PPO
by Blue Shield of California
Silver HSA eligible PPO
Deductible · ind / family
$2,600 / $5,200
Out-of-pocket max · ind / family
$7,350 / $14,700
Silver 70 HMO
by IEHP Covered
Silver HMO
Deductible · ind / family
$5,200 / $10,400
Out-of-pocket max · ind / family
$9,800 / $19,600
Silver 70 HMO
by Chinese Community Health Plan
Silver HMO
Deductible · ind / family
$5,200 / $10,400
Out-of-pocket max · ind / family
$9,800 / $19,600
Silver 70 HMO
by Chinese Community Health Plan
Silver HMO
Deductible · ind / family
$5,200 / $10,400
Out-of-pocket max · ind / family
$9,800 / $19,600
Silver 70 HMO
by Valley Health Plan
Silver HMO
Deductible · ind / family
$5,200 / $10,400
Out-of-pocket max · ind / family
$9,800 / $19,600
Gold 80 HMO
by IEHP Covered
Gold HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,200 / $18,400
Gold 80 PPO
by Blue Shield of California
Gold PPO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,200 / $18,400
Gold 80 EPO
by Anthem Blue Cross
Gold EPO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,200 / $18,400
Gold 80 HMO
by Valley Health Plan
Gold HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,200 / $18,400
Gold 80 HMO
by Chinese Community Health Plan
Gold HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,200 / $18,400
Gold 80 HMO
by Chinese Community Health Plan
Gold HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,200 / $18,400
Gold 80 HMO
by Anthem Blue Cross
Gold HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,200 / $18,400
Platinum 90 HMO
by Chinese Community Health Plan
Platinum HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$5,000 / $10,000
Platinum 90 HMO
by Chinese Community Health Plan
Platinum HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$5,000 / $10,000
Platinum 90 PPO
by Blue Shield of California
Platinum PPO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$5,000 / $10,000

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 →