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The Best Obamacare Health Insurance Plans in Northern California

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NerdWallet Health compiled government data to help you pick the best health insurance plan in Northern California. Whether you’re looking for a new Obamacare plan or wanting to change your health insurance, we’re here to help you look at all the plans available to you. For more plan information and to get a personalized quote, visit our friends at eHealth.

This plan data applies to the following counties: Alpine, Amador, Butte, Calaveras, Colusa, Del Norte, Glenn, Humboldt, Lake, Lassen, Mendocino, Modoc, Nevada, Plumas, Shasta, Sierra, Siskiyou, Sutter, Tehama, Trinity, and Tuolumne. Looking for San Francisco, Greater Sacramento, San Mateo, Contra Costa, Alameda, or North Bay health insurance information? You can also check our directory for plans in your area.

Do you have experience with these insurance companies? Share your review in the comment section below.

Obamacare Health Insurance Plans in Northern California

 

Health
Insurance Company
Health
Plan
Name*
Estimated Monthly Premium** Doctors Included
in Plan
Shop For Health Insurance
Anthem Anthem Bronze 60 Health Savings Account PPO $247 Visit Anthem to locate in-network doctors>> Apply Nowfor Anthem health insurance plans
Anthem Bronze 60 PPO $245
Anthem Multi State Plan Silver 70 PPO $325
Anthem Multi State Plan Gold 80 PPO $398
Anthem Platinum 90 PPO $467
Blue Shield Blue Shield Bronze 60 Health Savings Account EPO $277 Visit Blue Shield to locate in-network doctors>> Apply Nowfor Blue Shield health insurance plans
Blue Shield Bronze 60 EPO $282
Blue Shield Silver 70 EPO $341
Blue Shield Gold 80 EPO $401
Blue Shield Platinum 90 EPO $460
Kaiser Permanente Kaiser Permanente Bronze 60 Health Savings Account HMO $260 Visit Kaiser to locate in-network doctors>> Apply Nowfor Kaiser health insurance plans
Kaiser Permanente Bronze 60 HMO $266
Kaiser Permanente Silver 70 HMO $356
Kaiser Permanente Gold 80 HMO $432
Kaiser Permanente Platinum 90 HMO $462
*Plans displayed may not be available in every county.
**Premiums are estimated for a 40-year-old before government subsidies.
Source: Covered California Health Insurance Companies and Plan Rates for 2015 and Shop and Compare Tool.

Most Americans won’t be able to purchase an Obamacare plan until the open enrollment period this year, which runs from Nov. 15, 2014, to Feb. 15, 2015. However, certain events, such as adopting a child, losing health insurance coverage or getting married, may qualify you for a special enrollment period.

Learn more about special enrollment periods here.

Before purchasing insurance, get familiar with what a given plan will offer you. All plans sold through the government marketplace are required to provide enrollees with 10 “essential health benefits,” including things such as emergency services and pregnancy and newborn care. Your plan will also give you access to free screenings, as long as you visit an in-network doctor.

Learn more about the 10 essential health benefits and free screenings available to you with an Obamacare health insurance plan.

If you go uninsured for the year, you’ll be liable for a tax penalty. The penalty was small in 2014 and will go up each year. Some people will be exempt from the penalty.

Calculate how much your penalty will cost here.
Find out if you qualify for an exemption, and, if so, how to apply.


California flag photo courtesy of Shutterstock.