Covered California has released its 2026 rates, and for Los Angeles County – Southwest (Region 16), the average increase will be 10.0%. That’s close to the statewide average of 10.3%, but the real concern isn’t just the rate change—it’s what could happen if Congress does not renew the enhanced federal premium tax credits set to expire at the end of 2025.
Without renewal, 1.7 million Californians could see their net premiums rise by an average of 66% on top of the announced 2026 rate increases. This would make coverage unaffordable for many who currently rely on these subsidies.
California’s Safety Net
To soften the blow for the most vulnerable, the state will:
- Provide $190M in subsidies for those up to 150% of the federal poverty level (FPL), keeping 2026 premiums at 2025 levels.
- Offer partial assistance for those up to 165% FPL.
However, this covers only a fraction of the $2.1B federal funding gap if EPTCs vanish.
Carrier Landscape for 2026
- 11 participating insurers, offering competitive choices in all regions.
- 92% of Californians will have access to 3+ carriers; 75% to 4+ carriers.
- Rate changes by carrier*
- Anthem Blue Cross: +14.5%
- Blue Shield of California: +9.1%
- Health Net: +15.0%
- Kaiser Permanente: +7.1%
- LA Care Health Plan: +11.0%
- Molina Healthcare: +14.7%
- Sharp Health Plan: +8.6%
- Valley Health Plan: +21.0%
- Western Health Advantage: +13.9%
The chart below compares statewide carrier averages to the Los Angeles (Region 16 benchmark–red dashed line).
Why This Matters
Covered California has been a national model for keeping rates stable, but without Congressional action, affordability for millions is at stake.
- Even if your rate increase is below average, losing the enhanced subsidies could significantly raise your monthly costs.
- Covered California estimates that Region 16 residents can save an average of 6.8% by shopping and switching during Open Enrollment.
Key Dates
- Mid-October 2025: Renewal notices sent—review your 2026 rates and plan.
- November 1, 2025 – December 31, 2025: Open Enrollment begins—make changes or switch to another plan for January 1 coverage.
Bottom line: With rate increases and federal subsidy uncertainty, this year’s Open Enrollment will be more important than ever.
At Solid Health Insurance Services, we’re here to help you stay informed and protected. From federal updates to state-level changes, our team is ready to guide you through rate adjustments and coverage decisions—so you can choose the plan that fits your needs with confidence.
Need support? Contact us anytime at 📞310-909-6135 or email us at📧 info@solidhealthinsurance.com for personalized advice and coverage solutions tailored to you.
