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Insurance800
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Insurance800 · 2027

Your 2027 Health Plans: What You Get and What You Pay

Every plan, line by line. See what a doctor visit, the ER, lab tests and drugs cost you.

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How to read this

Copay
A fixed amount you pay for a visit.
Deductible
What you pay first, before the plan starts to pay.
Out-of-pocket max
The most you pay in one year for covered care.
Premium
Your monthly payment. It is not shown here because it depends on your insurance company, where you live, your age and your income. We calculate it for you.

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Answer three questions to see which kinds of plans fit you, plus every 2027 Medicare Advantage and Part D plan in your county with its real monthly price from Medicare's official list.

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Your 2027 Health Plans: What You Get and What You Pay
What you pay
Plan coversPlan pays 0% until the out-of-pocket max is met60%70%73%87%94%80%90%
Free preventive care visit$0$0$0$0$0$0$0$0
Primary care visitfull cost per visit until out-of-pocket max is met (after first three non-preventive visits)$60$50$50$15$5$40$20
Urgent care visitsame as primary care$60$50$50$15$5$40$20
Specialist visitfull cost per visit until out-of-pocket max is met$100 (copay applies to the first three specialist visits; after three visits you pay full cost until the medical deductible is met)$100$100$30$8$80$45
Emergency room facilityfull cost until out-of-pocket max is met40% after deductible is met$400$400$200$50$350$225
Lab testsfull cost per service until out-of-pocket max is met$50$50$50$35$10$40$25
X-rays and diagnosticsfull cost until out-of-pocket max is met40% after deductible is met$95$95$50$10$85$35
Imagingfull cost until out-of-pocket max is met40% after deductible is met$325$325$100$50$125 copay or 25% coinsurance (see the plan's Evidence of Coverage)$90 copay or 15% coinsurance (see the plan's Evidence of Coverage)
Tier 1 generic drugsfull cost per script until out-of-pocket max is met$20$20$20$10$3$19$10
Tier 2 preferred drugsfull cost per script until out-of-pocket max is met40% up to $500 per script after drug deductible is met$65 (after pharmacy deductible is met)$55 (after pharmacy deductible is met)$30 (after pharmacy deductible is met)$10$60$25
Tier 3 non-preferred drugsfull cost per script until out-of-pocket max is met40% up to $500 per script after drug deductible is met$95 (after pharmacy deductible is met)$95 (after pharmacy deductible is met)$50 (after pharmacy deductible is met)$15$90$45
Tier 4 specialty drugsfull cost per script until out-of-pocket max is met40% up to $500 per script after drug deductible is met20% up to $250 per script (after pharmacy deductible is met)20% up to $250 per script (after pharmacy deductible is met)15% up to $150 per script (after pharmacy deductible is met)10% up to $150 per script20% up to $250 per script10% up to $250 per script
Medical deductibleN/AIndividual $5,800 / Family $11,600Individual $4,700 / Family $9,400Individual $4,700 / Family $9,400Individual $1,100 / Family $2,200Individual $200 / Family $400N/AN/A
Pharmacy deductibleN/AIndividual $450 / Family $900Individual $50 / Family $100Individual $50 / Family $100Individual $50 / Family $100N/AN/AN/A
Annual out-of-pocket maxIndividual $12,000 / Family $24,000Individual $11,650 / Family $23,300Individual $11,650 / Family $23,300Individual $9,600 / Family $19,200Individual $4,000 / Family $8,000Individual $3,000 / Family $6,000Individual $9,600 / Family $19,200Individual $5,500 / Family $11,000

Source: Covered California 2027 standard benefit designs. Your exact monthly payment depends on the insurance company, where you live, your age and your income. We calculate it for you, free.

  • Drug prices are for a 30-day supply.
  • Deductible = the amount you pay before the plan pays.
  • Silver plans: drug prices for Tier 2, 3 and 4 are after the pharmacy deductible is met.
  • Imaging on Gold and Platinum: see the plan's Evidence of Coverage.
  • Covered California may approve small changes to these designs for certain services in some cases.

Minimum Coverage

Plan pays 0% until the out-of-pocket max is met

Minimum Coverage — What you pay
What you payMinimum Coverage
Free preventive care visit$0
Primary care visitfull cost per visit until out-of-pocket max is met (after first three non-preventive visits)
Urgent care visitsame as primary care
Specialist visitfull cost per visit until out-of-pocket max is met
Emergency room facilityfull cost until out-of-pocket max is met
Lab testsfull cost per service until out-of-pocket max is met
X-rays and diagnosticsfull cost until out-of-pocket max is met
Imagingfull cost until out-of-pocket max is met
Tier 1 generic drugsfull cost per script until out-of-pocket max is met
Tier 2 preferred drugsfull cost per script until out-of-pocket max is met
Tier 3 non-preferred drugsfull cost per script until out-of-pocket max is met
Tier 4 specialty drugsfull cost per script until out-of-pocket max is met
Medical deductibleN/A
Pharmacy deductibleN/A
Annual out-of-pocket maxIndividual $12,000 / Family $24,000

Good fit if…

You want protection against very large covered bills.

Keep in mind…

Eligibility is restricted, generally to people under 30 or with an approved exemption. Most care is full cost until the annual maximum.

Single-person annual income: N/A

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Bronze

Plan covers 60% of average annual cost

Bronze — What you pay
What you payBronze
Free preventive care visit$0
Primary care visit$60
Urgent care visit$60
Specialist visit$100 (copay applies to the first three specialist visits; after three visits you pay full cost until the medical deductible is met)
Emergency room facility40% after deductible is met
Lab tests$50
X-rays and diagnostics40% after deductible is met
Imaging40% after deductible is met
Tier 1 generic drugs$20
Tier 2 preferred drugs40% up to $500 per script after drug deductible is met
Tier 3 non-preferred drugs40% up to $500 per script after drug deductible is met
Tier 4 specialty drugs40% up to $500 per script after drug deductible is met
Medical deductibleIndividual $5,800 / Family $11,600
Pharmacy deductibleIndividual $450 / Family $900
Annual out-of-pocket maxIndividual $11,650 / Family $23,300

Good fit if…

You want to compare a lower monthly payment with higher costs when you use care.

Keep in mind…

The specialist copay applies only to the first three visits. Deductibles and coinsurance can add up.

Single-person annual income: N/A

Talk to us about this plan

Silver

Standard Silver · Silver 70

Plan covers 70% of average annual cost

Silver — What you pay
What you paySilver
Free preventive care visit$0
Primary care visit$50
Urgent care visit$50
Specialist visit$100
Emergency room facility$400
Lab tests$50
X-rays and diagnostics$95
Imaging$325
Tier 1 generic drugs$20
Tier 2 preferred drugs$65 (after pharmacy deductible is met)
Tier 3 non-preferred drugs$95 (after pharmacy deductible is met)
Tier 4 specialty drugs20% up to $250 per script (after pharmacy deductible is met)
Medical deductibleIndividual $4,700 / Family $9,400
Pharmacy deductibleIndividual $50 / Family $100
Annual out-of-pocket maxIndividual $11,650 / Family $23,300

Good fit if…

You want to compare a middle level of cost sharing.

Keep in mind…

Monthly payments and doctor networks vary by insurance company. Check drug costs and deductibles.

Single-person annual income: N/A

Talk to us about this plan

Silver 73

Plan covers 73% of average annual cost

Silver 73 — What you pay
What you paySilver 73
Free preventive care visit$0
Primary care visit$50
Urgent care visit$50
Specialist visit$100
Emergency room facility$400
Lab tests$50
X-rays and diagnostics$95
Imaging$325
Tier 1 generic drugs$20
Tier 2 preferred drugs$55 (after pharmacy deductible is met)
Tier 3 non-preferred drugs$95 (after pharmacy deductible is met)
Tier 4 specialty drugs20% up to $250 per script (after pharmacy deductible is met)
Medical deductibleIndividual $4,700 / Family $9,400
Pharmacy deductibleIndividual $50 / Family $100
Annual out-of-pocket maxIndividual $9,600 / Family $19,200

Good fit if…

Your income may qualify for extra Silver savings.

Keep in mind…

Income eligibility is required. We check your household and the plan network.

Extra savings plans. You can get this plan only if your income is in this range and you choose a Silver plan.

Single-person annual income: $31,921 – $39,900 (more than 200% to less than 250% of the Federal Poverty Level)

For a family, the range is higher. We check it for you, free.

Talk to us about this plan

Silver 87

Plan covers 87% of average annual cost

Silver 87 — What you pay
What you paySilver 87
Free preventive care visit$0
Primary care visit$15
Urgent care visit$15
Specialist visit$30
Emergency room facility$200
Lab tests$35
X-rays and diagnostics$50
Imaging$100
Tier 1 generic drugs$10
Tier 2 preferred drugs$30 (after pharmacy deductible is met)
Tier 3 non-preferred drugs$50 (after pharmacy deductible is met)
Tier 4 specialty drugs15% up to $150 per script (after pharmacy deductible is met)
Medical deductibleIndividual $1,100 / Family $2,200
Pharmacy deductibleIndividual $50 / Family $100
Annual out-of-pocket maxIndividual $4,000 / Family $8,000

Good fit if…

Your income may qualify for lower costs when you use care.

Keep in mind…

Income eligibility is required. We check your household and the plan network.

Extra savings plans. You can get this plan only if your income is in this range and you choose a Silver plan.

Single-person annual income: $23,941 – $31,920 (more than 150% to less than 200% of the Federal Poverty Level)

For a family, the range is higher. We check it for you, free.

Talk to us about this plan

Silver 94

Plan covers 94% of average annual cost

Silver 94 — What you pay
What you paySilver 94
Free preventive care visit$0
Primary care visit$5
Urgent care visit$5
Specialist visit$8
Emergency room facility$50
Lab tests$10
X-rays and diagnostics$10
Imaging$50
Tier 1 generic drugs$3
Tier 2 preferred drugs$10
Tier 3 non-preferred drugs$15
Tier 4 specialty drugs10% up to $150 per script
Medical deductibleIndividual $200 / Family $400
Pharmacy deductibleN/A
Annual out-of-pocket maxIndividual $3,000 / Family $6,000

Good fit if…

Your income may qualify for the lowest Silver cost sharing.

Keep in mind…

Income eligibility is required. We check your household and the plan network.

Extra savings plans. You can get this plan only if your income is in this range and you choose a Silver plan.

Single-person annual income: up to $23,940 (more than 100% to less than 150% of the Federal Poverty Level)

For a family, the range is higher. We check it for you, free.

Talk to us about this plan

Gold

Plan covers 80% of average annual cost

Gold — What you pay
What you payGold
Free preventive care visit$0
Primary care visit$40
Urgent care visit$40
Specialist visit$80
Emergency room facility$350
Lab tests$40
X-rays and diagnostics$85
Imaging$125 copay or 25% coinsurance (see the plan's Evidence of Coverage)
Tier 1 generic drugs$19
Tier 2 preferred drugs$60
Tier 3 non-preferred drugs$90
Tier 4 specialty drugs20% up to $250 per script
Medical deductibleN/A
Pharmacy deductibleN/A
Annual out-of-pocket maxIndividual $9,600 / Family $19,200

Good fit if…

You expect to use care and want to compare more predictable visit costs.

Keep in mind…

Compare the monthly payment too. Check your doctors, drugs and Evidence of Coverage.

Single-person annual income: N/A

Talk to us about this plan

Platinum

Plan covers 90% of average annual cost

Platinum — What you pay
What you payPlatinum
Free preventive care visit$0
Primary care visit$20
Urgent care visit$20
Specialist visit$45
Emergency room facility$225
Lab tests$25
X-rays and diagnostics$35
Imaging$90 copay or 15% coinsurance (see the plan's Evidence of Coverage)
Tier 1 generic drugs$10
Tier 2 preferred drugs$25
Tier 3 non-preferred drugs$45
Tier 4 specialty drugs10% up to $250 per script
Medical deductibleN/A
Pharmacy deductibleN/A
Annual out-of-pocket maxIndividual $5,500 / Family $11,000

Good fit if…

You use care often and want to compare lower costs at visits.

Keep in mind…

Compare the monthly payment too. Check your doctors, drugs and Evidence of Coverage.

Single-person annual income: N/A

Talk to us about this plan

Source: Covered California 2027 standard benefit designs. Your exact monthly payment depends on the insurance company, where you live, your age and your income. We calculate it for you, free.

  • Drug prices are for a 30-day supply.
  • Deductible = the amount you pay before the plan pays.
  • Silver plans: drug prices for Tier 2, 3 and 4 are after the pharmacy deductible is met.
  • Imaging on Gold and Platinum: see the plan's Evidence of Coverage.
  • Covered California may approve small changes to these designs for certain services in some cases.

How your income changes your price

Your income decides how much help you get with the monthly payment and whether you can get the extra Silver savings (73, 87, 94). Job pay, self-employment earnings, some benefits and other household income can count. Self-employed people estimate income for the year. If your income changes during the year, tell us so your help stays correct.

Silver 73
$31,921 – $39,900 (more than 200% to less than 250% of the Federal Poverty Level)
Silver 87
$23,941 – $31,920 (more than 150% to less than 200% of the Federal Poverty Level)
Silver 94
up to $23,940 (more than 100% to less than 150% of the Federal Poverty Level)

For a family, the range is higher. We check it for you, free.

2027 income chart by household size
Check my income for 2027

Medi-Cal

Some people qualify for Medi-Cal instead of a paid plan. Adults with lower income, children with higher income limits, and pregnant people can qualify. We help check and help with the paperwork.

Medi-Cal county offices ↗

Immigration and legal status

Many people with different statuses can get coverage. The rules depend on your exact status. We tell you which papers you need and help you gather them. We do not give legal advice.

Ask us about my status

Documents we may ask for

  • Photo ID
  • Proof of income
  • Proof of legal status (if it applies)

Never send documents by email. We give you a secure link.

Add dental, vision and life

Dental

Coverage for your teeth and dental care.

Ask us

Vision

Coverage for eye exams, glasses and contacts.

Ask us

Life

Financial protection for the people you care about.

Ask us

2027 updates

2027 income limits by household size

Covered California 2027 plans use the 2026 federal poverty guidelines: $15,960 for one person and $33,000 for a family of four (100%). Silver 94, 87 and 73 ranges for 1–8 person households are on our income page.

2027 plan costs published

Deductibles, copays and yearly out-of-pocket limits for all eight 2027 metal plans, from Minimum Coverage to Platinum.

Update pending

Immigration and legal-status updates

Confirmed eligibility updates will be added here.

Update pending

Plan changes for 2027

Confirmed insurance company and plan updates will be added here.

Your questions, answered

Let’s look at your options together

Your doctors. Your income. Your budget. We help you compare, without pressure.

Book a free 15-minute call(619) 925-8000

This page is general education, not a recommendation of a specific plan. Plans, prices and rules vary by region, household and year. Gerberg Financial & Insurance Agency, LLC. CA License 0D83407.