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Downtown Sacramento, California, and the gold Tower Bridge over the Sacramento River

Sacramento · Sacramento County, California

Sacramento health insurance broker. For people choosing between an HMO and a PPO.

Free help for Sacramento residents who aren't sure what HMO, PPO, or EPO means for their care. Want to know which doctors you can see? We compare Covered California plans for your Sacramento ZIP code. We are licensed in California. California runs its own exchange, Covered California.

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Photo: "Sacramento, California skyline 2026" by Quintin Soloviev, via Wikimedia Commons, licensed under CC BY 4.0. Cropped, resized, and converted to WebP. Modified from the original.

Questions we hear

HMO or PPO
for you?

About 52 in 100 Sacramento homes are lived in by their owners, per the Census Bureau. People sorting out plan types here ask us these.

“What is an HMO?”

An HMO usually covers care only from doctors who work for it or with it. It generally won't pay for care outside its network, except in an emergency.

“What makes a PPO different?”

A PPO usually costs you less when you use doctors in its network. You can still see doctors outside the network without a referral, but you pay more.

“Which kinds are sold where I live?”

It depends on your ZIP code. The plan types and insurers on Covered California are not the same in every part of the state.

Sacramento by the numbers

California's capital
where two rivers meet.

Sacramento is the capital of California and the seat of Sacramento County. The Sacramento and American Rivers meet here. These numbers come from the Census Bureau.

About 529,000

Sacramento residents, based on 2020-2024 Census data.

$87,321

marks the midpoint of Sacramento household incomes.

About 52 in 100

of Sacramento homes are owner-occupied.

About 36

is Sacramento's median age.

About 20 in 100

of Sacramento workers mainly telework.

About 6 in 100

of Sacramento residents under 65 went without a health plan.

About 7 in 100

of Sacramento adults 19-64 had just coverage they bought.

Source for Sacramento: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B01003, B19013, B25003, B01002, B08301, B27010). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Plan-type help
in Sacramento.

We list California plans for your ZIP code from more than one insurer and label each one HMO, PPO, or EPO. Next to that, you see the monthly price after any help with the cost.

Then we look at how you get care. If you want to see a specialist without a referral, or keep a doctor outside a network, the plan type matters a lot.

If you travel a lot or have a doctor outside the Sacramento area, ask us how each plan type handles care away from home.

Sacramento plans don't all use the same hospitals. We look up the ones near you that you use.

  • Help for people choosing an HMO, PPO, or EPO
  • Licensed in 20 U.S. states · Agent NPN 20986580 · CA License 4526037
  • You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How it works

Three steps
to a plan type.

Your doctors

Who you see now, and any specialists.

Your ZIP and ages

Plan types change from place to place.

HMO, PPO, or EPO

Networks and prices, one next to the other.

Book a 15-minute call
Free · No obligation · About a 15-minute call

What you get

A network that fits
how you get care.

You'll know the rules of your plan before you need care. After our call, you'll have:

  • Covered California plans for your Sacramento ZIP code, sorted by type
  • Your doctors, looked up in each plan's network
  • Which plans ask for a referral to see a specialist
  • December 31, 2026, as your date to enroll for a January 1, 2027 start

Straight answers

Sacramento health insurance questions.

What are California's 2027 open enrollment dates?

California runs its own exchange, Covered California. As of October 30, 2026, Covered California says 2027 open enrollment runs November 1, 2026, to January 31, 2027. California sets its own enrollment dates through Covered California. Confirm them at CoveredCA.com before you enroll. To be covered on January 1, sign up by December 31. Sign up in January, and your plan begins February 1.

Did California expand Medicaid?

Yes. As of October 30, 2026, KFF shows California adopted the ACA Medicaid expansion on January 1, 2014. The state program is Medi-Cal. Covered California says one application covers both.

What is an EPO?

An EPO covers care only from doctors, specialists, and hospitals in its network, except in an emergency. So check that your doctors are in it before you choose.

Does the plan type change what's covered?

Under current law, no. HMOs, PPOs, and EPOs on Covered California all cover the essential health benefits. The type changes which doctors you can use and how.

Do HMOs cover emergencies?

Under current law, Marketplace plans cover emergency care anywhere in the U.S. Plan rules for follow-up care can differ.

What county is Sacramento in?

Sacramento is in Sacramento County, and it is the county seat.

What do I need for the call?

A list of the doctors and specialists you see, plus your ZIP code, each person's age, and a 2027 income estimate.

Can I switch from an HMO to a PPO later?

Usually only during open enrollment, or if a life event like a move opens a special window. So it pays to choose with care now.

More help

PPO vs. HMO health insurance HMO health insurance EPO health insurance All areas we serve

Open enrollment starts November 1

Comparing plans in Sacramento?

Compare HMOs and PPOs on a free 15-minute call, or start a quote online. Whatever is easier.

Book a 15-minute callGet a quote online

By the Daniels Health Advisors team (agent NPN 20986580). Local facts checked October 30, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not Covered California, HealthCare.gov, CMS, a state agency, a state insurance department, or an insurance company. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. For tax questions, talk with a tax professional. Official: CoveredCA.com. To check an agent's license, contact your state's insurance department. Sacramento / Sacramento County, California.