Covered California Premiums Set to Jump in 2026: What Families Should Do Now

Health insurance is something we all rely on, but in California, many families are bracing for some unwelcome news: Covered California premiums are set to rise by more than 10% in 2026.

This will be the first double-digit increase since 2018, and it’s leaving a lot of households asking: “How will this affect me—and what can I do about it?”

Let’s unpack what’s happening and how you can prepare.

Why Are Covered California Premiums Increasing?

Several factors are driving the cost of health insurance higher:

1. Rising healthcare costs – Hospital care, prescription drugs, and medical services all continue to get more expensive year after year.
2. End of federal subsidies – During the pandemic, enhanced federal aid helped reduce premiums for millions of families. That aid is now expiring, leaving consumers to cover more of the cost.
3. Market adjustments – Insurers are recalculating rates to reflect higher usage of healthcare and long-term costs.

What This Means for California Families

On average, premiums will rise 10.3% in 2026 across Covered California plans. For many, that could mean hundreds of extra dollars per year.

And while the state is stepping in with additional funding for lower-income families, middle-income households may still feel squeezed.

The good news? You don’t have to face this alone. With planning, you can still find coverage that fits your needs and your budget.

Steps You Can Take Right Now

If you’re worried about the premium increase, here’s how to get ahead of it:

• Review your current plan – Make sure it still matches your healthcare needs.
• Check eligibility for state assistance – California is expanding support for families at or below 150% of the federal poverty line.
• Compare all your options – Sometimes switching plans or carriers can save you money.
• Work with an advisor – At CrossWay Financial & Insurance Services, we help individuals and families find the best coverage during open enrollment—and beyond.

Final Thought

Rising premiums are frustrating, but remember—you do have choices. With the right guidance, you can navigate these changes and keep your family protected without breaking the bank.

👉 Need help with Covered California enrollment? Contact CrossWay Financial & Insurance Services today, and let’s make sure you’re ready for 2026.