How Much Does Health Insurance Cost in Pasadena, CA?
Pasadena pricing is 38% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Pasadena's diversified economy.See our methodology
Health Insurance Pricing in Pasadena, CA
Pasadena is a high-cost market where health insurance runs about 38% above the national average. The city's diversified economy supports higher wages, which translates to elevated contractor rates. With a population of 140K, 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 Pasadena: higher cost of living in coastal areas; more affordable inland.
Pasadena 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.
Pasadena vs National Average
What Affects Health Insurance Cost in Pasadena?
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
Pasadena 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 Pasadena, CA
6 providersHeritage Property Services
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⭐ PREMIUMServing Pasadena and surrounding areas since 2015. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Health Insurance in Pasadena
- 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 Pasadena Cost Trends (2020–2024)
Prices have increased +17.6% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $528 | — |
| 2021 | $550 | +4.2% |
| 2022 | $586 | +6.5% |
| 2023 | $602 | +2.7% |
| 2024 | $621 | +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 Pasadena
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 Pasadena than other cities?
Pasadena'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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