With 345,711 Californians selecting a health plan for 2025 during Covered California open enrollment and more than 1.6 million Californians renewing their health insurance, it brought Covered California’s overall enrollment to a record-high of 1,979,504 consumers.
Enrollment rose for the fourth consecutive year after the passage of enhanced premium tax credits through the American Rescue Plan in 2021. The federal enhanced subsidies were supplemented by a California-only Cost-Sharing Reduction (CSR) program that Californians took advantage of the past two open enrollments.
“The tremendous success during this open enrollment is the payoff from the work California has done for years to maximize the Affordable Care Act,” Gov. Gavin Newsom said. “California’s uninsured rate has continued to drop as Covered California has made it easier for consumers to find quality coverage at an affordable price.”
Open enrollment began with a record-low uninsured rate of 6.4 percent among Californians, according to federal data. Since Covered California launched in 2014, California’s uninsured rate has fallen from 17.2 percent to 6.4 percent in 2023, which is the largest percentage point drop for any state in the nation during the ACA era.
More than 6.3 million Californians, or approximately one in six, have had marketplace coverage since 2014.
“Covered California continues to deliver on the promise of the Affordable Care Act,” executive director Jessica Altman said. “The law was created to make sure all Americans could have access to health insurance. With the enhanced federal subsidies since 2021 and California’s exclusive cost-sharing-reduction program introduced last year, we have made that a reality for more Californians than ever before in 2025.”
That reality may change in 2026 without action from the United States Congress and President Trump to extend the enhanced subsidies after they expire at the end of this year. Data shows that on average, consumers save an additional $101 on premium costs each month and that includes over 170,000 middle-income enrollees that are now receiving tax credits when they weren’t previously eligible. For some consumers, that means as much as $395 a month in financial assistance.
“Without an extension for the enhanced subsidies, the loss of coverage could be significant in California,” Altman said. “Every region and corner of the state would be impacted negatively – from small business owners and gig workers, to agricultural workers and residents working multiple jobs to make ends meet. It is imperative that federal actions are taken to keep these Americans enrolled.”
Consumers can learn more about their options by visiting CoveredCA.com, where they can easily find out if they qualify for financial help and see the coverage options in their area. Those interested in learning more about their coverage options can also:
Get free and confidential assistance over the phone, in a variety of languages, from one of more than 14,000 certified agents and community-based organizations throughout the state that provide free, confidential help in whatever language or dialect consumers prefer;
Have a certified enroller call them and help them for free;
Use Covered California’s online calculator tool;
Call Covered California at (800) 300-1506.
Covered California is the state’s health insurance marketplace, where Californians can find affordable, high-quality insurance from top insurance companies. Covered California is the only place where individuals who qualify can get financial assistance on a sliding scale to reduce premium costs. Consumers can then compare health insurance plans and choose the plan that works best for their health needs and budget. Depending on their income, some consumers may qualify for the low-cost or no-cost Medi-Cal program.
Covered California is an independent part of the state government whose job is to make the health insurance marketplace work for California’s consumers. It is overseen by a five-member board appointed by the governor and the legislature. For more information about Covered California, visit www.CoveredCA.com.
