Health Insurance in San Bernardino County, CA

Compare 100 ACA plans and check your subsidy eligibility.

2025 Plan Year Data2026 data from CMS pending
Expanded Bronze only
Bronze from
$354/mo
Silver from
$392/mo
Gold from
$354/mo
Benchmark (SLCSP)
Check My Subsidy — See How Much You Save
Population
2,214,281
Median Income
$85k
Poverty Rate
13.2%
Uninsured
9.0%
Est. Uninsured
181,725
Insurers
12

Expanded Bronze Plans (27)

Like Bronze but with some services covered before you meet your deductible.

Bronze 60 HMO
HMO · Valley Health Plan
$308/mo
Age 40 premium
Bronze 60 HDHP Ambetter PPO
PPO · Ambetter of CaliforniaHSA
$352/mo
Age 40 premium
Bronze 60 Ambetter PPO
PPO · Ambetter of California
$354/mo
Age 40 premium
Bronze 60 HDHP Ambetter PPO
PPO · Ambetter of CaliforniaHSA
$356/mo
Age 40 premium
Bronze 60 Ambetter PPO
PPO · Ambetter of California
$358/mo
Age 40 premium
Bronze 60 HMO
HMO · Chinese Community Health Plan
$362/mo
Age 40 premium
Bronze 60 HMO
HMO · Molina Healthcare of California
$392/mo
Age 40 premium
Bronze 60 HMO
HMO · Anthem Blue Cross
$408/mo
Age 40 premium
Bronze 60 Performance HMO
HMO · Sharp Health Plan
$408/mo
Age 40 premium
Bronze 60 HMO
HMO · Kaiser Permanente
$414/mo
Age 40 premium
Bronze 60 HDHP Ambetter PPO
PPO · Ambetter of CaliforniaHSA
$468/mo
Age 40 premium
Bronze 60 Ambetter PPO
PPO · Ambetter of California
$471/mo
Age 40 premium
Bronze 60 HDHP HMO
HMO · Health Net of CaliforniaHSA
$473/mo
Age 40 premium
Bronze 60 HDHP Premier HMO
HMO · Sharp Health Plan
$482/mo
Age 40 premium
Bronze 60 HMO
HMO · Health Net of California
$489/mo
Age 40 premium
Bronze 60 HMO
HMO · L.A. Care Health Plan
$501/mo
Age 40 premium
Bronze 60 HMO
HMO · Blue Shield of California
$513/mo
Age 40 premium
Bronze 60 HDHP HMO
HMO · Blue Shield of CaliforniaHSA
$517/mo
Age 40 premium
Bronze 60 HMO
HMO · L.A. Care Health Plan
$518/mo
Age 40 premium
Bronze 60 HMO
HMO · Oscar Health Plan of California
$520/mo
Age 40 premium
Bronze 60 HDHP HMO
HMO · Oscar Health Plan of CaliforniaHSA
$521/mo
Age 40 premium
Bronze 60 HDHP Ambetter PPO
PPO · Ambetter of California
$522/mo
Age 40 premium
Bronze 60 Ambetter PPO
PPO · Ambetter of California
$526/mo
Age 40 premium
Bronze 60 HMO
HMO · Blue Shield of California
$555/mo
Age 40 premium
Bronze 60 HDHP HMO
HMO · Blue Shield of CaliforniaHSA
$559/mo
Age 40 premium
Bronze 60 PPO
PPO · Western Health Advantage
$797/mo
Age 40 premium
Bronze 60 HDHP PPO
PPO · Western Health AdvantageHSA
$798/mo
Age 40 premium

Silver Plans (21)

Middle ground. Required for cost-sharing reductions if your income is 100-250% FPL.

Silver 70 HMO
HMO · Valley Health Plan
$375/mo
Age 40 premium
Silver 70 HMO
HMO · Chinese Community Health Plan
$394/mo
Age 40 premium
Silver 70 Ambetter HMO
HMO · Ambetter of California
$412/mo
Age 40 premium
Silver 70 HMO
HMO · Molina Healthcare of California
$415/mo
Age 40 premium
Silver 70 Premier HMO
HMO · Sharp Health Plan
$440/mo
Age 40 premium
Silver 70 HMO
HMO · Anthem Blue Cross
$455/mo
Age 40 premium
Silver 70 Trio HMO
HMO · Western Health Advantage
$463/mo
Age 40 premium
Silver 70 Ambetter PPO
PPO · Ambetter of California
$509/mo
Age 40 premium
Silver 70 Ambetter PPO
PPO · Ambetter of California
$515/mo
Age 40 premium
Silver 70 HMO
HMO · L.A. Care Health Plan
$536/mo
Age 40 premium
Silver 70 Performance HMO
HMO · Sharp Health Plan
$541/mo
Age 40 premium
Silver 70 HMO
HMO · Kaiser Permanente
$551/mo
Age 40 premium
Silver 70 HMO
HMO · L.A. Care Health Plan
$555/mo
Age 40 premium
Silver 70 Trio HMO
HMO · Western Health Advantage
$578/mo
Age 40 premium
Silver 70 HMO
HMO · Oscar Health Plan of California
$641/mo
Age 40 premium
Silver 70 HMO
HMO · Health Net of California
$669/mo
Age 40 premium
Silver 70 Ambetter PPO
PPO · Ambetter of California
$677/mo
Age 40 premium
Silver 70 PPO
PPO · Western Health Advantage
$687/mo
Age 40 premium
Silver 70 HMO
HMO · Blue Shield of California
$692/mo
Age 40 premium
Silver 70 HMO
HMO · Blue Shield of California
$747/mo
Age 40 premium
Silver 70 Ambetter PPO
PPO · Ambetter of California
$755/mo
Age 40 premium

Gold Plans (22)

Higher premium, lower out-of-pocket. Good if you use medical services regularly.

Gold 80 HMO
HMO · Valley Health Plan
$416/mo
Age 40 premium
Gold 80 HMO
HMO · Molina Healthcare of California
$464/mo
Age 40 premium
Gold 80 Ambetter HMO
HMO · Ambetter of California
$486/mo
Age 40 premium
Gold 80 Trio HMO
HMO · Western Health Advantage
$514/mo
Age 40 premium
Gold 80 HMO
HMO · Chinese Community Health Plan
$519/mo
Age 40 premium
Gold 80 Premier HMO
HMO · Sharp Health Plan
$539/mo
Age 40 premium
Gold 80 Performance HMO
HMO · Sharp Health Plan
$543/mo
Age 40 premium
Gold 80 Ambetter PPO
PPO · Ambetter of California
$600/mo
Age 40 premium
Gold 80 Ambetter PPO
PPO · Ambetter of California
$607/mo
Age 40 premium
Gold 80 HMO
HMO · Anthem Blue Cross
$612/mo
Age 40 premium
Gold 80 HMO
HMO · L.A. Care Health Plan
$614/mo
Age 40 premium
Gold 80 HMO Coinsurance
HMO · Health Net of California
$627/mo
Age 40 premium
Gold 80 HMO
HMO · Kaiser Permanente
$634/mo
Age 40 premium
Gold 80 HMO
HMO · L.A. Care Health Plan
$635/mo
Age 40 premium
Gold 80 Trio HMO
HMO · Western Health Advantage
$642/mo
Age 40 premium
Gold 80 HMO
HMO · Health Net of California
$688/mo
Age 40 premium
Gold 80 HMO
HMO · Oscar Health Plan of California
$726/mo
Age 40 premium
Gold 80 PPO
PPO · Western Health Advantage
$771/mo
Age 40 premium
Gold 80 HMO
HMO · Blue Shield of California
$782/mo
Age 40 premium
Gold 80 Ambetter PPO
PPO · Ambetter of California
$799/mo
Age 40 premium
Gold 80 HMO
HMO · Blue Shield of California
$844/mo
Age 40 premium
Gold 80 Ambetter PPO
PPO · Ambetter of California
$891/mo
Age 40 premium

Platinum Plans (21)

Highest premium, lowest cost-sharing. Best for people with frequent medical needs.

Platinum 90 HMO
HMO · Valley Health Plan
$460/mo
Age 40 premium
Platinum 90 HMO
HMO · Molina Healthcare of California
$524/mo
Age 40 premium
Platinum 90 Ambetter HMO
HMO · Ambetter of California
$583/mo
Age 40 premium
Platinum 90 Trio HMO
HMO · Western Health Advantage
$593/mo
Age 40 premium
Platinum 90 Premier HMO
HMO · Sharp Health Plan
$609/mo
Age 40 premium
Platinum 90 Performance HMO
HMO · Sharp Health Plan
$652/mo
Age 40 premium
Platinum 90 HMO
HMO · L.A. Care Health Plan
$670/mo
Age 40 premium
Platinum 90 HMO
HMO · L.A. Care Health Plan
$694/mo
Age 40 premium
Platinum 90 HMO
HMO · Chinese Community Health Plan
$706/mo
Age 40 premium
Platinum 90 HMO
HMO · Health Net of California
$734/mo
Age 40 premium
Platinum 90 Trio HMO
HMO · Western Health Advantage
$741/mo
Age 40 premium
Platinum 90 Ambetter PPO
PPO · Ambetter of California
$766/mo
Age 40 premium
Platinum 90 HMO
HMO · Kaiser Permanente
$772/mo
Age 40 premium
Platinum 90 Ambetter PPO
PPO · Ambetter of California
$775/mo
Age 40 premium
Platinum 90 HMO
HMO · Anthem Blue Cross
$827/mo
Age 40 premium
Platinum 90 HMO
HMO · Blue Shield of California
$858/mo
Age 40 premium
Platinum 90 HMO
HMO · Oscar Health Plan of California
$886/mo
Age 40 premium
Platinum 90 HMO
HMO · Blue Shield of California
$927/mo
Age 40 premium
Platinum 90 Ambetter PPO
PPO · Ambetter of California
$1019/mo
Age 40 premium
Platinum 90 Ambetter PPO
PPO · Ambetter of California
$1137/mo
Age 40 premium
Platinum 90 PPO
PPO · Western Health Advantage
$1575/mo
Age 40 premium

Catastrophic Plans (17)

Very low premium, very high deductible. Only available to people under 30.

Minimum Coverage Ambetter PPO
PPO · Ambetter of California
$280/mo
Age 40 premium
Minimum Coverage Ambetter PPO
PPO · Ambetter of California
$284/mo
Age 40 premium
Minimum Coverage HMO
HMO · Valley Health Plan
$291/mo
Age 40 premium
Minimum Coverage HMO
HMO · Anthem Blue Cross
$296/mo
Age 40 premium
Minimum Coverage HMO
HMO · Kaiser Permanente
$320/mo
Age 40 premium
Catastrophic
HMO · Chinese Community Health Plan
$323/mo
Age 40 premium
Minimum Coverage HMO
HMO · L.A. Care Health Plan
$346/mo
Age 40 premium
Minimum Coverage HMO
HMO · Health Net of California
$352/mo
Age 40 premium
Minimum Coverage HMO
HMO · L.A. Care Health Plan
$358/mo
Age 40 premium
Minimum Coverage Performance HMO
HMO · Sharp Health Plan
$358/mo
Age 40 premium
Minimum Coverage Ambetter PPO
PPO · Ambetter of California
$373/mo
Age 40 premium
Minimum Coverage HMO
HMO · Molina Healthcare of California
$393/mo
Age 40 premium
Minimum Coverage Ambetter PPO
PPO · Ambetter of California
$416/mo
Age 40 premium
Minimum Coverage HMO
HMO · Oscar Health Plan of California
$447/mo
Age 40 premium
Minimum Coverage HMO
HMO · Blue Shield of California
$495/mo
Age 40 premium
Minimum Coverage HMO
HMO · Blue Shield of California
$534/mo
Age 40 premium
Minimum Coverage PPO
PPO · Western Health Advantage
$767/mo
Age 40 premium

California Expanded Medicaid

Adults with income up to 138% FPL may qualify for Medicaid in California — often with $0 premiums.

Check Medicaid Eligibility

Calculate Your Costs in San Bernardino County

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Subsidy Calculator

See how much the government will pay toward your premium

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Medicaid Eligibility

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True Plan Cost

Compare total annual cost including premiums + expected care

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COBRA vs Marketplace

Is COBRA really better than a subsidized ACA plan?