Best health Insurance plans in
California
in 2025

Find top health insurance plans in California through Venteur's comprehensive marketplace platform. Golden State residents seeking the best health insurance in California have unique healthcare needs, and we're here to help find coverage that fits. Our platform connects you with California's leading insurance carriers offering diverse plan options from HMOs to PPOs with transparent pricing, easy comparisons, and enrollment support whether in Los Angeles, San Francisco, or anywhere between.

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Get a quote
Market overview
13

Health insurance carriers on the marketplace

244

Plans available on the marketplace

24%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

California
Plans

Discover the best health plans in California

Great Value
BlueShield of California
Silver
PPO
Great Value
Great Value
Great Value
$
$
619.18
/mo
/mo

Silver 1750 PPO

Deductible:
In-Network: $1,750 / Out-of-Network: $6,500
Primary Care Visits:
In-Network: $55 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $20 per script after deductible / Out-of-Network: Not Covered
Great Coverage
Health Net
Platinum
PPO
Great Coverage
Great Coverage
Great Coverage
$
$
688.12
/mo
/mo

Platinum 90 Ambetter PPO

Deductible:
In-Network: $0 / Out-of-Network: $5,000
Primary Care Visits:
In-Network: $15 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $7 / Out-of-Network: Not Covered
Balanced Pick
Anthem
Gold
EPO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
676.12
/mo
/mo

Gold 80 EPO

Deductible:
In-Network: $0 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $35 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $15 per script / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Insurance providers available in California

How it works

Get these plans for my team

1

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

2

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

3

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

Compare Plans

Taking down group plans one premium at a time

*
Venteur
ICHRA magic
-
Group Plan
Ho-hum
Responsibility taken by the individual market plan
Personalized plan choices
Easy and flexible plan design
Control over premium increases
No minimums for participation

FAQs

You got questions. We got answers!

What Are Standardized Health Plans in California?

Standardized health plans in California are designed so each insurer offers coverage with the same key benefits and cost-sharing structures for each plan level. This makes it easier to compare “apples to apples” when shopping for the best health insurance plan in CA, since deductibles, copays, and covered services are consistent across insurers.

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Can I Add My Parents as Dependents on My California Health Plan?
  • California’s Parent Healthcare Act allows some adult children to add their parents or stepparents as dependents on certain individual health insurance plans, as long as specific eligibility requirements are met.
  • Employers’ group health insurance plans may have different rules, so it's important to check your plan's details. This option does not apply to Medicare or Medi-Cal and is available for plans bought from the individual marketplace.

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What Are Essential Health Benefits Required by California Law?

California requires all non-grandfathered individual and small group health insurance plans to cover a core set of essential health benefits, including:

  • Hospital and emergency services, outpatient care, prescription drugs, mental health, and preventive care.
  • Pediatric services (including dental and vision), pregnancy, and newborn care, along with rehabilitation services, chronic disease management, and lab services.

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How Do I Qualify for Medi-Cal in California?
  • To qualify for Medi-Cal, you need to be a California resident with income within specific limits. Eligibility often considers household size, income, and factors like pregnancy, disability, or age.
  • Beginning in 2024, assets are no longer considered for most applicants. Many groups—including families, pregnant individuals, seniors, and people with certain health conditions—may be eligible.

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How Do I Find Affordable Health Insurance in California?

You can find affordable health insurance plans in California by:

  • Exploring Covered California, the state’s official health insurance marketplace, to compare standardized plans and check for subsidies or cost-saving options based on your income.
  • Medi-Cal provides no-cost or low-cost options for those who qualify. Working with a trusted broker can also help you evaluate the best health insurance plan in California for your needs

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Speak with an expert

What is Venteur

Explore the best human-first Health Insurance platform

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Simple, personalized health benefits

Sign up in minutes, define your contribution, and let your employees choose the health plan that works right for them

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Integrations to make everything run smoothly

We'll connect with your payroll and finance systems to make deductions and premium payments seamless

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Easy onboarding and off-boarding

In just a few clicks, add your roster and make updates on the fly. We'll handle it from there.

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Venteur Certified Brokers to help your employees pick the right plan

Our trusted brokers ensure the best outcomes for employees and employers by unlocking health savings and providing unrivaled plan options.

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AI-powered plan recommendations to give you confidence while you shop

Backed by 30 years of healthcare data, Venteur’s AI helps employees compare and choose the best plan for their unique situation.

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Compliance and reporting because no-duh!

Venteur manages plan administration, reporting, and compliance so you can focus on growing your business.

See the platform

Discover the best health plans in California

Great Value
BlueShield of California
Silver
PPO
Great Value
Great Value
Great Value
$
$
619.18
/mo
/mo

Silver 1750 PPO

Deductible:
In-Network: $1,750 / Out-of-Network: $6,500
Primary Care Visits:
In-Network: $55 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $20 per script after deductible / Out-of-Network: Not Covered
Great Coverage
Health Net
Platinum
PPO
Great Coverage
Great Coverage
Great Coverage
$
$
688.12
/mo
/mo

Platinum 90 Ambetter PPO

Deductible:
In-Network: $0 / Out-of-Network: $5,000
Primary Care Visits:
In-Network: $15 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $7 / Out-of-Network: Not Covered
Balanced Pick
Anthem
Gold
EPO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
676.12
/mo
/mo

Gold 80 EPO

Deductible:
In-Network: $0 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $35 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $15 per script / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Plans
13

Health insurance carriers on the marketplace

244

Plans available on the marketplace

24%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Insurance providers available in California