.chr(10)
Individual/Family Quote
Individual & Family
Health Insurance Quote
2026 quote 2025 quote

Zip code
Age or dob
Spouse age
# children

Federal Poverty Level (FPL)
  • 2025 FPL (determine rates and enhanced plans)
  • Head of Household $15,650
  • Each additional household member $5500
  • 2025 FPL (determines Medi-Cal benefits)
  • Head of Household $15,650
  • Each additional household member $5500
  • Dependent children in families under 266% of FPL
  • Children under age 19 are not eligible for CoveredCA subsidy
  • Children under age 19 can purchase unsubsidized health plans
  • Children under age 19 can apply for low or no cost Medi-Cal
  • Children age 19-26 may be eligible dependents under CoveredCA family plan
  • Available programs for various FPL levels
  • Under 138%: Medi-Cal for adults
  • Under 266%: Medi-Cal for children
  • Under 213%: Medi-Cal for pregnant women
  • Between 213% & 322%: MCAP for pregnant women
  • Between 266% & 322%: CCHIP for Children in San
    Mateo, San Francisco, and Santa Clara counties
 Benefit Eligibility by Income
Exchange vs. Off Exchange
  • Off Exchange Quote Leave this column blank
  • On Exchange Quote Enter info in this column
 Subsidy Calculation
# persons in household
Total family income
2025 FPL determines enhanced silver level

    Federal Poverty Level (FPL)

  • 138%-150%: Silver 94
  • 150%-200% Silver 87
  • Over 200% Silver 73
 FPL
2025 FPL determines Medi-Cal eligibility

    Federal Poverty Level (FPL)

  • Under 266% - Medi-Cal
  • Over 266% - Insurance
Plan
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