Health Insurance Options in Santa Cruz, California
Looking for health insurance in Santa Cruz, California? You're not alone. Thousands of Santa Cruz residents rely on our resources to compare plans, find local agents, and navigate the enrollment process with confidence.
California operates its own state-run health insurance exchange. Residents of Santa Cruz can shop for individual and family health insurance plans during the annual open enrollment period, or qualify for a special enrollment period after a qualifying life event.
Health Insurance Agents in Santa Cruz, California
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(866) 310-8670Types of Health Insurance Available in Santa Cruz
Santa Cruz residents can choose from several types of health insurance coverage depending on their age, income, and health needs:
Medicare is available for residents age 65 and older, or those with qualifying disabilities. Medicare Advantage plans offered in California provide additional benefits beyond Original Medicare, including prescription drug coverage, dental, and vision.
Marketplace Plans are available through the state exchange during open enrollment. Many Santa Cruz residents qualify for premium tax credits that significantly reduce monthly costs.
Medicaid provides free or low-cost coverage for eligible low-income residents of California. Eligibility varies by household size and income.
Employer-Sponsored Insurance remains the most common form of coverage for working residents of Santa Cruz. Learn more about how to choose the right plan.