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Covered California has launched its 2026 charges, and for Los Angeles County – Southwest (Region 16), the typical improve will likely be 10.0%. That’s near the statewide common of 10.3%, however the true concern isn’t simply the speed change—it’s what might occur if Congress doesn’t renew the enhanced federal premium tax credit set to run out on the finish of 2025.
Without renewal, 1.7 million Californians might see their internet premiums rise by an common of 66% on prime of the introduced 2026 charge will increase. This would make protection unaffordable for a lot of who at present depend on these subsidies.
California’s Safety Net
To soften the blow for probably the most weak, the state will:
- Provide $190M in subsidies for these as much as 150% of the federal poverty degree (FPL), holding 2026 premiums at 2025 ranges.
- Offer partial help for these as much as 165% FPL.
However, this covers solely a fraction of the $2.1B federal funding hole if EPTCs vanish.
Carrier Landscape for 2026
- 11 taking part insurers, providing aggressive decisions in all areas.
- 92% of Californians could have entry to three+ carriers; 75% to 4+ carriers.
- Rate adjustments by provider*
- Anthem Blue Cross: +14.5%
- Blue Shield of California: +9.1%
- Health Net: +15.0%
- Kaiser Permanente: +7.1%
- LA Care Health Plan: +11.0%
- Molina Healthcare: +14.7%
- Sharp Health Plan: +8.6%
- Valley Health Plan: +21.0%
- Western Health Advantage: +13.9%
The chart under compares statewide provider averages to the Los Angeles (Region 16 benchmark–purple dashed line).
Why This Matters
Covered California has been a nationwide mannequin for holding charges steady, however with out Congressional motion, affordability for tens of millions is at stake.
- Even in case your charge improve is under common, dropping the improved subsidies might considerably increase your month-to-month prices.
- Covered California estimates that Region 16 residents can save a mean of 6.8% by procuring and switching throughout Open Enrollment.
Key Dates
- Mid-October 2025: Renewal notices despatched—evaluate your 2026 charges and plan.
- November 1, 2025 – December 31, 2025: Open Enrollment begins—make adjustments or swap to a different plan for January 1 protection.
Bottom line: With charge will increase and federal subsidy uncertainty, this yr’s Open Enrollment will likely be extra vital than ever.
At Solid Health Insurance Services, we’re right here that can assist you keep knowledgeable and guarded. From federal updates to state-level adjustments, our staff is able to information you thru charge changes and protection choices—so you’ll be able to select the plan that matches your wants with confidence.
Need assist? Contact us anytime at 📞310-909-6135 or e-mail us at📧 info@solidhealthinsurance.com for customized recommendation and protection options tailor-made to you.