Rates Are Going Up

On average, plans are expected to rise about 10% in 2026. Some people may see smaller increases, but others will feel it more. And if Congress doesn’t extend the federal financial help (called premium tax credits) that’s set to expire at the end of 2025, monthly bills could jump by 66% or more for 1.7 million Californians (Covered California, 2024a; Covered California, 2024b). 

Aetna is Leaving Covered California

One more change:

• •  Aetna will no longer sell plans through Covered California in 2026.
  • If you’re one of the 21,000 people currently enrolled in an Aetna plan, you’ll need to switch carriers during open enrollment (Covered California, 2024a).

The Good News

California has set aside $190 million in state-based subsidies to help lower-income Californias keep coverage affordable. Plus, most consumers will still have access to multiple carriers in each region, even with Aetna exiting (Covered California, 2024a). 

What This Means for You

Why Act Now

Open Enrollment begins October 15, 2025, and that’s your window to review options, make changes, and lock in your 2026 coverage. Waiting could mean higher premiums or being stuck with a plan that doesn’t fit your needs.

Don’t Navigate This Alone.

Call Harbor Health Insurance Services today. We’ll help you: 

References:

Covered California. (2024a). Board Meeting: July 25, 2024 – Executive Director’s Report. https://board.coveredca.com/meetings/2024

Covered California. (2024b). Preliminary 2026 Rate Booklet – Press Release. https://www.coveredca.com/newsroom/