I assume that's not an employer sponsored plan? You can read the methodology for more, but their data is a mix of a) how much people pay into employer-sponsored health insurance plans, b) individual and small group insurance market information, where available, and c) estimated out-of-pocket expenses not covered by insurance. If you're buying a plan through a marketplace, you are almost certainly going to come in well above the median for your area.

Covered California (as indicated in my message) coveres 2M out of the 40M people in California, or 5% of the population.

Typically, it tends to cover the bottom of the income level, aka the folks who are trying to get a living wage.

Seems like their methodology is a little broken, wouldn't you agree? My out of pocket is a 14K deductible on top of 25K in premiums.