Covered California Health Plans in Riverside County: 2026 Guide

Why This Matters

Choosing health insurance is one of the most important decisions for your family’s health and finances. With premiums projected to increase again in 2026, understanding your options in Riverside County can help you save money and stress less.

Riverside County spans desert cities, mountain towns, and suburban neighborhoods. Whether you live in the Coachella Valley, Temecula, or the Inland Empire, knowing how local carriers and hospitals fit into the Covered California marketplace helps you make a confident decision.

Key Enrollment Dates

• Open Enrollment: November 1, 2025 – January 31, 2026

  • Apply by December 15 for coverage starting January 1, 2026

  • Apply between January 1–31 for coverage starting February 1, 2026

• Special Enrollment: Major life events (job loss, marriage, birth, moving, etc.) qualify you for a 60-day enrollment window outside of open enrollment.

What’s New in 2026

• Statewide premium increase: ~10.3% average, due to inflation and subsidy uncertainty.

• HSA expansion: Bronze and Minimum Coverage plans will qualify as High Deductible Health Plans (HDHP), compatible with Health Savings Accounts (HSAs).

Carriers in Riverside County

According to the official 2026 chart, these carriers will serve Riverside:

• Anthem Blue Cross 

• Blue Shield of California 

• Health Net (Ambetter) 

• Inland Empire Health Plan (IEHP) 

• Kaiser Permanente 

• Molina Healthcare

💡 Tip: Plan costs vary by metal tier (Bronze, Silver, Gold, Platinum). If you qualify for Cost-Sharing Reductions (CSR), an Enhanced Silver plan may lower your deductibles and co-pays.

Local Hospitals and Health Systems

Residents of Riverside County often use:

• Riverside University Health System – Medical Center (Moreno Valley)

• Eisenhower Health (Rancho Mirage)

• Loma Linda University Medical Center – Murrieta

• Desert Regional Medical Center (Palm Springs)

• Kaiser Permanente Riverside & Moreno Valley facilities

• IEHP partner clinics and hospitals

⚠️ Reminder: Networks change frequently. Always confirm with your doctor or hospital before selecting a plan.

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Final Thought

Riverside County residents have a wide range of choices through Covered California in 2026. With multiple carriers and hospital systems in the area, you can find coverage that matches your budget and healthcare needs. As licensed agents, we’ll guide you step-by-step — at no cost to you — to ensure you feel confident about your health insurance.

👉 Call or text us today to explore your 2026 options with a local expert.