Covered California has announced the preliminary health insurance rates for the 2027 individual and family market.
The statewide average rate increase will be 9.9%, which is lower than the projected national average of approximately 14%. Some states, including New York and Georgia, are seeing proposed increases of around 20%.
Keep in mind that 9.9% is only a statewide average. Your actual premium may be higher or lower depending on your age, ZIP code, the health plan you choose, your household income, and whether you qualify for financial assistance.
2027 Average Rate Increases by Carrier
Covered California also released the preliminary average rate increases for participating insurance carriers:
- Kaiser Permanente: 6.7%
- L.A. Care: 8.1%
- Blue Shield of California: 9.1%
- Sharp Health Plan: 12.5%
- Anthem Blue Cross: 13.0%
- Health Net: 13.2%
- Molina Healthcare: 16.9%
These are carrier averages only. Your premium will vary based on your personal situation and the plan you select.
Why Reviewing Your Coverage Matters
Many Californians will continue to qualify for financial assistance through Covered California. However, keeping a similar monthly premium may require changing to a different health plan.
Each year, premiums, provider networks, deductibles, prescription drug coverage, and benefits can change. That’s why it’s important to review your coverage instead of allowing it to renew automatically.
If your household income for 2026 or 2027 is expected to change by more than 10%, be sure to update your Covered California application. Keeping your information current helps determine whether you qualify for premium tax credits or California state subsidies.
Prepare for Open Enrollment
Open Enrollment begins November 1, 2026.
To help us serve you more efficiently, we ask our individual Covered California clients to complete our Annual Enrollment Form before Open Enrollment begins.
Please let us know if you’ve had any changes to your:
- Address
- Email address
- Phone number
- Household size
- Family status
- Expected household income
Providing updated information early allows us to review your eligibility, prepare plan recommendations, and make the enrollment process smoother.
What’s Changing in the Federal Marketplace for 2027?
Several new federal Marketplace rules will also take effect for the 2027 coverage year, including:
- Stronger income verification and eligibility reviews.
- A new $5 monthly premium for certain plans that previously renewed automatically with a $0 premium.
- Stricter Special Enrollment Period (SEP) rules. The monthly SEP for many lower-income individuals has ended.
- Certain lawfully present immigrants with work or student visas (such as H-1B, O-1, L-1, E-1, J-1, F-1, and M-1 visas) will no longer qualify for Marketplace financial assistance.
- Individuals with asylum, refugee, and certain humanitarian statuses may still enroll through Covered California but may not qualify for financial assistance.
- DACA recipients are no longer eligible for ACA Marketplace coverage or federal subsidies.
- More flexibility in health plan designs may create additional lower-cost plan options.
Marketplace Consent Form
With upcoming CMS requirements and stricter Marketplace rules, we also ask our Covered California clients to complete the Marketplace Consent Form and return it to our office before Open Enrollment.
Completing both forms early allows us to update your information, review your eligibility, and prepare your application before the busy enrollment season begins.
Important Dates
- October 1, 2026: Review and compare available 2027 plans.
- November 1, 2026: Open Enrollment begins.
- January 31, 2027: Open Enrollment ends.
Let Solid Health Insurance Services Help
Need help with your 2027 Covered California coverage? Contact Solid Health Insurance Services for a complimentary plan review. We’ll help you compare your options, review your subsidy eligibility, and find the plan that best fits your healthcare needs and budget. You may call 310-909-6135 or email us at info@solidhealthinsurance.com.