Health insurance & Medicare · San Francisco, CA (San Francisco County)
Individual & Family Health Insurance in San Francisco, California
4.9% of San Francisco adults aged 19 to 64 have no health insurance, well below the U.S. rate of 11.1% (the lowest uninsured rate for adults 19 to 64 of the 13 West U.S. communities on this site). 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 Francisco, 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 Francisco
11.8% of San Francisco 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 Francisco by the numbers
- 4.9% of San Francisco adults aged 19 to 64 have no health insurance, well below the U.S. rate of 11.1% (the lowest uninsured rate for adults 19 to 64 of the 13 West U.S. communities on this site).
- 18.2% of San Francisco households include children under 18, well below the U.S. figure of 29.8%.
- The median household income in San Francisco is $141,446, well above the U.S. average of $78,538, the highest median household income of the 13 West U.S. communities on this site.
- 11.8% of San Francisco 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.
San Francisco and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| San Francisco | 4.9% | 11.8% | $141,446 |
| Los Angeles | 12.9% | 16.2% | $80,366 |
| Phoenix | 16.8% | 9.7% | $77,041 |
| San Diego | 8.9% | 11.6% | $104,321 |
| 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 Francisco
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 Francisco?
No. Olive works with San Francisco and San Francisco 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.