Covered California 2027
Covered California Silver Plans 2027
Affordable Health Insurance with Additional Savings Opportunities
Covered California Silver Plans offer a balance between monthly premiums and out-of-pocket healthcare costs. Silver coverage is especially valuable for eligible individuals and families who qualify for additional cost-sharing reductions.
Depending on household income and eligibility, you may qualify for Silver 73, Silver 87, or Silver 94, which provide lower costs for certain medical services compared with a standard Silver 70 plan. Eligibility depends on household income, family size, and applicable program rules. Enhanced Silver plans do not generally have zero deductibles.
Silver Plan Highlights
- 70%–94% coverage level. The approximate actuarial coverage level varies by Silver plan and financial assistance eligibility.
- Enhanced Silver savings. Eligible members may qualify for reduced deductibles, copays, and out-of-pocket maximums.
- $0 preventive care. Eligible in-network preventive services such as annual checkups, many screenings, and immunizations are covered without cost sharing.
- Prescription coverage. All Silver plans include prescription drug benefits. For 2027, Silver 70, 73, and 87 have a $50 individual prescription deductible. Silver 94 has a $0 prescription deductible.
- Children's dental and vision. Pediatric dental and vision benefits are included. Some services have applicable cost sharing.
2027 Silver Individual Benefit Designs
| Plan | Medical deductible | Drug deductible | Out-of-pocket max |
|---|---|---|---|
| Silver 70 | $4,700 | $50 | $11,650 |
| Silver 73 | $4,700 | $50 | $9,600 |
| Silver 87 | $1,100 | $50 | $4,000 |
| Silver 94 | $200 | $0 | $3,000 |
2027 Silver Family Benefit Designs
| Plan | Medical deductible | Drug deductible | Out-of-pocket max |
|---|---|---|---|
| Silver 70 | $9,400 | $100 | $23,300 |
| Silver 73 | $9,400 | $100 | $19,200 |
| Silver 87 | $2,200 | $100 | $8,000 |
| Silver 94 | $400 | $0 | $6,000 |
Understanding Enhanced Silver Plans
- Silver 70: Standard Silver coverage with balanced premiums and medical expenses.
- Silver 73: Additional cost-sharing assistance for qualifying members.
- Silver 87: Enhanced coverage with significantly lower deductibles and copays for eligible households.
- Silver 94: The highest cost-sharing assistance available within the Silver tier for qualifying households.
Find Out Which Silver Plan You Qualify For
Your household income, family size, location, and eligibility determine which financial assistance programs may be available. Emergency care is covered as an essential health benefit, but members still pay the plan's copay, coinsurance, or deductible. It does not guarantee that you will not have medical bills.
At Quote Valley Insurance, our Covered California agents help individuals and families compare Silver health insurance plans, understand financial assistance, and enroll in suitable coverage for 2027. 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.
Get free help comparing Covered California Silver plans.
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.