What does basic health insurance cover in California?

Direct answer

It depends on your specific plan tier, but under the Affordable Care Act, all compliant plans in California must cover ten essential health benefits including emergency services, hospitalization, and prescription drugs. Costs vary significantly based on your age, household size, and the specific metal tier (Bronze through Platinum) you select.

Covered California plan benefit documentation and state-mandated essential health benefit requirements. For additional information about state-mandated essential health benefits, see the Covered California website.


What this means for you

It depends on your specific plan tier, but under the Affordable Care Act, all compliant plans in California must cover ten essential health benefits including emergency services, hospitalization, and prescription drugs. Costs vary significantly based on your age, household size, and the specific metal tier (Bronze through Platinum) you select.

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