California: Navigating the 2025 Subsidy Boost

California is unique. While the rest of the country relies on the federal exchange, we have Covered California. In 2025, the state has authorized additional "State-Only" subsidies that stack on top of the federal ones. This means that middle-class families in California are qualifying for lower premiums than ever before.

If you are a Californian looking to save, here is what you need to know.

The "Silver 94" Secret

In California, if your income is in the right range, you don't just get a low premium—you get an Enhanced Silver plan. These plans (Silver 94, 87, or 73) have deductibles as low as $0. It is essentially "Gold" level coverage for a "Bronze" price.

The Cost of Living Adjustment

Because California is expensive, the income limits for subsidies are higher than in most other states. A family of four making $150,000 can still qualify for significant help. Don't assume you "make too much" to save.

Closing the Rx Gap

Even with a great Covered California plan, brand-name prescriptions can still be a hurdle. That is where we complement the California system. We help residents from San Diego to Redding get their specialized meds for $40 a month.

You take the state subsidies for your doctor visits, and use our advocacy for your high-cost prescriptions. It’s the ultimate California health hack.

Check if you qualify for the CA Subsidy Boost + $40 meds.