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Californians are staying insured — but settling for health coverage they may not use

By CalMatters.org  
   March 02, 2026

Despite the loss of federal subsidies that lowered costs for millions, California's private health insurance marketplace held nearly steady this enrollment season. In all, 1.9 million Californians renewed their plan or selected one for the first time — a 2.7% drop compared to last year. A closer look, however, shows that Californians are making concessions to afford staying insured. More enrollees are opting for 'bronze-level' plans. These plans have lower monthly premium costs but higher deductibles and copays; they cover 60% of medical expenses — leaving enrollees to pay the rest. One in three new enrollees chose bronze plans for 2026, compared to one in four last year, according to Covered California. And 130,000 Californians renewing their coverage switched from a silver or higher-metal tier plan to bronze.

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