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Zero Dollar Plans Offered Through Covered California in 2022

Due to AB 133, The “California Premium Credit” Gives Consumers Free Medical Insurance Coverage

Free health insurance in California will become a reality starting on January 1, 2022. Through the California State Exchange, some consumers (based on income and household size) will be able to purchase plans with a $0 per month premium.

Up to this time, the lowest priced plans through Covered California have been $1 a month. Starting next year, for the first-time, qualified Californians will be able to get health insurance for free.

California legislation AB 133 allows for the State of California to pay the $1 PMPM (per member per month) premium that federal law excludes. This legislation passed in Sacramento on July 15, 2021. It was signed into law by Governor Gavin Newsom twelve days later on July 27, 2021.

Thus, the State of California will be paying the $1 PMPM in 2022 for Covered California enrollees. This new financial assistance will be called the “California Premium Credit”.


Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.


Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.


Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.


Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.