Covered California 2027
Covered California Gold Plans 2027
Comprehensive Health Insurance with $0 Deductibles
Covered California Gold Plans offer comprehensive health insurance with no medical or prescription drug deductibles under the standard 2027 benefit design.
Gold plans are a strong option for individuals and families who visit doctors regularly, take prescription medications, or prefer more predictable healthcare expenses.
With an actuarial coverage level of approximately 80%, Gold plans generally offer lower out-of-pocket costs for medical care than standard Bronze and Silver 70 plans, although monthly premiums are typically higher. Members still pay applicable copays or coinsurance for covered services. Prices are set by the benefit design, but your total costs depend on the services you use.
Gold Plan Highlights
- 80% coverage level. Insurance pays approximately 80% of covered healthcare costs on average.
- $0 medical deductible under the standard Gold plan design.
- $0 prescription deductible. Prescription drug benefits begin without a separate drug deductible.
- $40 primary care visits under the standard 2027 design.
- $0 preventive care for eligible in-network preventive services.
- Children's dental and vision are included, with applicable cost sharing for certain services.
2027 Gold Plan Costs
Individual coverage
- Medical deductible: $0
- Prescription deductible: $0
- Out-of-pocket maximum: $9,600
- Primary care visits: $40
- Specialist visits: $80
- Generic prescriptions (Tier 1): $19
Family coverage
- Medical deductible: $0
- Prescription deductible: $0
- Out-of-pocket maximum: $19,200
Why Choose a Gold Plan?
Gold plans may be a good choice for people who need regular medical care and prefer coverage with no deductibles. Emergency care is covered as an essential benefit, but copays or coinsurance still apply. The plan does not guarantee that emergency treatment will not result in bills.
Quote Valley Insurance helps you compare Covered California Gold HMO, PPO, and EPO options, check participating doctors and hospitals, and review available premium assistance. Call 209-723-2000.
HMO, PPO, and EPO options depend on the issuer and your service area. Provider networks, referrals, and out-of-network coverage vary by plan. We will confirm which plan types are offered where you live before you enroll.
Compare 2027 Covered California Gold plans with our licensed agents.
Compare 2027 PlansGet a Free QuoteContact a Covered California Agent
2027 benefits shown reflect Covered California standard plan designs. Actual benefits, provider networks, premiums, eligibility, and cost sharing depend on the selected plan and applicable terms. Review the plan's Summary of Benefits and Coverage before enrolling.