Individual Health & Dental Insurance
Not every Californian gets coverage through an employer. If you are self-employed, between jobs, retiring before Medicare, or shopping for a family, we compare individual medical insurance and individual dental insurance plans across every carrier available in your county.
Understanding the metal tiers
Every individual health insurance plan in California is grouped by how much of your expected medical costs the plan pays. The tier decides the premium and the out-of-pocket exposure, not the quality of care.
Bronze
~60% of costsHealthy budgets, worst-case protection
Lowest premium, highest deductible
Silver
~70% of costsMost subsidy-eligible households
Only tier with cost-sharing reductions
Gold
~80% of costsRegular prescriptions or specialists
Higher premium, low out-of-pocket
Platinum
~90% of costsChronic conditions, frequent care
Highest premium, lowest copays
Individual dental choices
Individual Dental PPO
See any dentist, keep your current office, and get preventive cleanings covered at 100%. The most flexible individual dental insurance in California.
Individual Dental HMO
Fixed copay schedules with a low monthly premium, ideal if you are comfortable choosing from an assigned network dentist list.
Private Dental Insurance With Ortho
Private dental insurance in California that includes child or adult orthodontia, useful for families planning braces in the next two years.
Events that open a 60-day window
Employers instead? See small business health insurance and group medical and dental.
Individual coverage FAQs
When can I buy individual health insurance in California?
During annual open enrollment, which runs from November 1 through January 31, or within 60 days of a qualifying life event such as losing job-based coverage, moving, marrying, or having a child.
How much does individual medical insurance in California cost?
Premiums depend on age, county, tier, and household income. Many Central Valley households qualify for premium assistance that meaningfully lowers the monthly cost, and we run that calculation with you before you enroll.
Is individual dental insurance in California sold separately from medical?
Usually yes for adults. Pediatric dental is embedded in many medical plans, while adult dental is purchased as a standalone individual dental insurance plan.
What is the difference between private dental insurance and a dental discount plan?
Private dental insurance pays a portion of covered procedures subject to a deductible and annual maximum. A discount plan simply offers reduced fees with no insurance benefit, which is cheaper but far more limited.
Can I keep my doctor on an individual health insurance plan?
Often, but networks are narrower than group plans. We verify each provider against the exact plan network before you enroll instead of after.
Do you charge a fee to help me enroll?
No. We are compensated by the carriers, so our guidance on individual health insurance plans in California costs you nothing and the premium is identical either way.
Secure Your Legacy
Free consultation. Honest answers. Custom plans for groups of 2–50+ employees.