Individual and Family Plans

Western Health Advantage offers flexible, affordable individual and family plans trusted across Northern California. For nearly 30 years, we've provided care that's personal, local, and rooted in community.

Health coverage shouldn’t feel complicated. With Western Health Advantage, it’s straightforward: affordable plans, a trusted network of doctors, and personalized support whenever you need it. As a nonprofit health plan, we put people before profits—so every decision is made with your health, your family, and your community in mind.

What You Get with WHA
Care that fits real life.

Affordable Options

Plans designed to fit a range of budgets and household needs.
 

Comprehensive Coverage

From preventive checkups to specialty care, we’ve got you covered.

Local Network

Access to trusted Northern California hospitals, doctors, and specialists.

Member Support

Tools and resources that make health care easier to navigate.

Nonprofit Advantage

Every decision we make reinvests in your care and community.

While we are currently outside the annual open enrollment period, there are still opportunities to get coverage if you have a qualify life event.

Western Health Advantage Individual & Family plans are available to Northern California residents in the following counties within our service area: Marin, Napa, Sacramento, Solano, Sonoma, Yolo and parts of El Dorado and Placer. A plan with Western Health provides you access to a comprehensive network of clinical providers plus virtual options for primary care, urgent care, and behavioral/mental health services.

Start your search for a WHA network PCP from one of six medical groups using our Find a Doctor tool >>> Search Online

If you have experienced a qualifying life event you may eligible for special enrollment into a health plan outside of open enrollment. This special enrollment period lasts 60 days* from the date of the qualifying life event. When enrolling for coverage, you will need to provide verification of the qualifying life event and the date of the event. Examples of qualifying life events are loss of employer-sponsored coverage, a recent move, being newly married, and having a baby.

*If 60 days pass and you do not sign up for health coverage, you will have to wait until the next open enrollment period that begins on November 1 or if you experience another qualifying life event.

Check out our benefit comparison to learn about the plans available, from traditional copay plans to high-deductible health plans compatible with a health savings account. All of our plans have the same benefits. The main difference between plans is the monthly premium and deductible – the amount you pay for care each year before Western Health pays for covered services.

Click on the Get A Quote button below to compare plans and costs. You can also see if you qualify for financial help. If you'd like personalized support, you may also talk with one of WHA's individual plan specialists at 916.563.2250 (888.563.2250 toll-free)or email individualsales@westernhealth.com.