Blue Shield and Anthem cover about 40% of all Covered California enrollees. Subsidies for Covered California premiumsA combination of state and federal subsidies has kept premiums affordable for many Californians despite recent inflation. “Despite the rate increase, Californians who enroll in health insurance through Covered California in 2025 will benefit from the greatest level of financial support ever offered by Covered California,” Altman said. California is one of four states, plus the District of Columbia, that penalizes residents for not having health insurance. Advocates also advise that Covered California enrollees should ensure their household and income information is up to date.