Covered California Rates & Plans for 2026

Written By Tim Coughlin

Covered California announced preliminary 2026 individual-market rates showing a 10.3% weighted average increase, which could be smaller if Congress extends the enhanced federal premium tax credits set to expire Dec. 31, 2025. Without an extension, all enrollees would face higher costs, and about 1.7 million Californians could see average net premiums jump 66%. The state is adding $190 million in 2026 subsidies for people up to 150% of the federal poverty level (after boosting cost-sharing help with $165 million in 2025), but officials say this won’t fill the federal funding gap. The marketplace remains competitive with 11 carriers statewide (Aetna will exit, affecting ~21,000 members), final rates take effect Jan. 1, 2026, and California’s increase is below an estimated 20% national average.

Read Covered California's full article!

Tim Coughlin

Tim Coughlin has been a licensed insurance agent since 1984. He and his team have helped over 10,000 small businesses, self-employed individuals, families, and Medicare-eligible individuals compare and enroll in quality health, Medicare, and dental plans in the last 30 years. Mr. Coughlin is a recipient of the prestigious “Soaring Eagle”, leading producer award from the National Association of Benefits and Insurance Professionals as well as the National Quality Award and the National Sales Achievement Award. He has consistently earned recognition as a top-producing broker for Blue Shield of CA, United Healthcare, and Western Health Advantage, and other leading carriers.

https://summitoptimalhealthpartners.com/tim-coughlin-author
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