Health insurance & Medicare · San Diego, CA (San Diego County)
Individual & Family Health Insurance in San Diego, California
8.9% of San Diego adults aged 19 to 64 have no health insurance, below the U.S. rate of 11.1%. Help choosing an ACA Marketplace health plan, including checking whether you qualify for premium tax credits that lower your monthly cost. Olive, a licensed agent with Manna Financial Services, helps San Diego, CA households compare individual and family health insurance by phone or video, and the first conversation is free.
What matters for individual and family health insurance in San Diego
11.6% of San Diego workers are self-employed. Self-employed people buy their own coverage, and Marketplace tax credits are based on your expected net self-employment income, so a careful estimate matters.
San Diego by the numbers
- 8.9% of San Diego adults aged 19 to 64 have no health insurance, below the U.S. rate of 11.1%.
- 11.6% of San Diego workers are self-employed, above the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- The median household income in San Diego is $104,321, well above the U.S. average of $78,538, the 3rd-highest median household income of the 13 West U.S. communities on this site.
- 26.9% of San Diego households include children under 18, below the U.S. figure of 29.8%.
San Diego and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| San Diego | 8.9% | 11.6% | $104,321 |
| Los Angeles | 12.9% | 16.2% | $80,366 |
| Phoenix | 16.8% | 9.7% | $77,041 |
| San Francisco | 4.9% | 11.8% | $141,446 |
| U.S. | 11.1% | 9.8% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with individual and family health insurance
- Compare the Marketplace plans offered in your county
- Check premium tax credit and cost-sharing eligibility
- Confirm your doctors, hospitals and prescriptions are in network
- Enroll during Open Enrollment or a Special Enrollment Period
Read our full guide to individual and family health insurance
Rules that apply in California
- California residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from San Diego
When can I enroll in a Marketplace plan?
Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1. Outside that window you need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, to use a Special Enrollment Period.
Do I need to visit an office in San Diego?
No. Olive works with San Diego and San Diego County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Talk with Olive about individual and family health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.