San Francisco, California: health insurance
San Francisco is in San Francisco County. Here is what San Francisco residents should know about coverage.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
California Medicaid: California Department of Health Care Services (DHCS) · 1-800-541-5555 (Medi-Cal (Department of Health Care Services)) · dhcs.ca.gov
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Coverage in San Francisco
San Francisco has about 808,988 residents (U.S. Census Bureau 2023 estimate).
Plans for San Francisco residents are determined by San Francisco County, home to about 808,988 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers San Francisco County before you choose it.
- Turning 65 in San Francisco? Your Initial Enrollment Period runs seven months around your birthday. California HICAP (Health Insurance Counseling and Advocacy Program) offers free counseling at 800-434-0222.
- Buying your own plan? Shop through Covered California.
- Medicaid questions? California Department of Health Care Services (DHCS) handles applications.
California note: California health plans are regulated by two different state agencies depending on plan type -- the Department of Managed Health Care (DMHC) oversees most Covered California health plans, while the Department of Insurance (CDI) regulates the rest, including most life and supplemental products.
Medicare plans leaving San Francisco County for 2027
Medicare plans are set by county, so this applies to residents of this city. 15 plans are listed in San Francisco County for 2026 but not for 2027, covering at least 1,661 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Aetna Medicare Signature (PPO) H5521-425 | Aetna (CVS Health) | 728 |
| Central Health Classic Care Plan IV (HMO) H5649-018 | Molina Healthcare | 340 |
| Aetna Medicare Enhanced (PPO) H5521-581 | Aetna (CVS Health) | 183 |
| Aetna Medicare Eagle (PPO) H5521-369 | Aetna (CVS Health) | 87 |
| Central Health Embrace Care Plan (HMO C-SNP) H5649-025 | Molina Healthcare | 76 |
| Alignment Health Honor+ Plan (HMO) H3815-052 | Alignment Healthcare USA | 67 |
See all 15 plans leaving San Francisco County →
Looking for your own plan? Find your company and plan →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near San Francisco
California public institutions include University of California system, California State University system, UCLA. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about California colleges.
Do San Francisco and San Francisco County have the same plans?
Plans are offered by service area, and San Francisco falls under San Francisco County. A plan that serves San Francisco County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
San Francisco residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095 Open 8 AM-10 PM Eastern timeOther major California cities
- Los Angeles
- San Diego
- San Jose
- Sacramento
- Fresno
- Long Beach
- Oakland
- Bakersfield
- Anaheim
- Stockton
- Riverside
- Irvine
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.