How Much Does Health Insurance Cost in Long Beach, CA?
Long Beach pricing is 35% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Long Beach's diversified economy.See our methodology
Health Insurance Pricing in Long Beach, CA
Long Beach is a high-cost market where health insurance runs about 35% above the national average. The city's diversified economy supports higher wages, which translates to elevated contractor rates. With a population of 465K, competition among providers exists but demand keeps prices firm.
Local climate plays a direct role in health insurance costs here. Varied climate depending on location; earthquake considerations in some areas.
Market-specific factors matter in Long Beach: higher cost of living in coastal areas; more affordable inland.
Long Beach has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Long Beach vs National Average
What Affects Health Insurance Cost in Long Beach?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Long Beach Market Conditions
higher cost of living in coastal areas; more affordable inland
Local Climate Impact
varied climate depending on location; earthquake considerations in some areas
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Top-Rated Health Insurance Pros in Long Beach, CA
5 providersSummit Plumbing
🏆 SPONSOREDServing Long Beach and surrounding areas since 2019. Licensed, insured, and committed to quality workmanship at fair prices.
Heritage Roofing & Siding
⭐ PREMIUMServing Long Beach and surrounding areas since 2001. Licensed, insured, and committed to quality workmanship at fair prices.
Apex Contractors
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Tips to Save on Health Insurance in Long Beach
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Long Beach Cost Trends (2020–2024)
Prices have increased +17.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $516 | — |
| 2021 | $538 | +4.3% |
| 2022 | $573 | +6.5% |
| 2023 | $589 | +2.8% |
| 2024 | $608 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Long Beach
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Long Beach than other cities?
Long Beach's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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