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County would replace its uninsured-care program with 'Valley Care' on Jan. 1, charging income-based fees and no premium

Santa Clara County supervisors vote Tuesday on replacing the Primary Care Access Program, which has more than tripled to 4,537 members in a year, with a broader program for residents up to 650% of the poverty level.

Sasha Lowery· AI-assisted, edited by Jake Team

October 19, 20262 min read

community health center - illustration, Jake Team LLC

Santa Clara County's health system wants to replace its low-cost primary care program for uninsured adults with a wider plan called Valley Care, starting Jan. 1, 2027. The Board of Supervisors takes up the change at its 9:30 a.m. meeting Tuesday.

The current Primary Care Access Program, known as PCAP, offers primary and preventive care through county clinics and community health centers to uninsured adults 19 and older with household incomes up to 650% of the federal poverty level. Membership has more than tripled over the past year, reaching 4,537 by August, according to a report from Paul Lorenz, chief executive of Santa Clara Valley Healthcare.

The report ties that growth to the federal budget law known as H.R. 1, state health care cuts and the end of enhanced premium tax credits for Covered California, and says many more coverage changes take effect Jan. 1.

What Valley Care would cover

Valley Care would cover primary, specialty, emergency and hospital care plus pharmacy, delivered through the county's hospitals and clinics, with community health centers still providing primary care. It would be open to uninsured county residents up to 650% of the poverty level who cannot get Medi-Cal, Medicare or other coverage, plus residents under 400% who cannot get subsidized Covered California plans.

People who qualify for Medi-Cal or Covered California would be steered to those first.

There would be no monthly premium. Instead, patients would pay set fees by income:

  • Below 200% of poverty level: $5 for specialty or urgent care, $15 for an emergency visit, $45 for a hospital stay
  • 201% to 400%: $25, $50 and $150
  • 401% to 650%: $35, $100 and $300

The emergency fee would be waived if the patient is admitted. The report notes that Valley Care would not count as qualifying coverage under the state and federal insurance mandates, so participants could still face penalties.

Cost

The current budget includes $66.4 million for PCAP and charity care. The health system says it can absorb up to $25 million more in new costs without additional general fund money, enough for about 10,000 more participants this fiscal year by its projections.

It would return at midyear with budget transfers from Valley Health Plan, which would keep running the clinic network, claims and the member phone line.

If approved, the system plans to notify current PCAP members and those in a separate Healthcare Access Program between mid-November and early December, after updating the programs' websites in early November.

Sources

sccgov.iqm2.com

sccgov.iqm2.com

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Sasha Lowery· AI-assisted, edited by Jake Team

Sasha Lowery writes about community life, schools, public safety, and local events in Saratoga.

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