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September 22, 2026

New federal loan limits could increase need for CalHealthCares support

New federal student loan limits could push future physicians and dentists toward greater reliance on private loans, potentially increasing demand for loan repayment programs such as CalHealthCares.

The federal budget reconciliation law enacted in 2025 established new limits, effective July 1, 2026, on federal loans for students pursuing professional degrees: $50,000 annually and $200,000 over the course of their professional education. Those limits are considerably lower than the educational debt reported by recent CalHealthCares awardees.

An analysis of 542 physicians and dentists who received CalHealthCares awards through Cohorts 4 and 5 found that awardees carried an average of nearly $335,000 in educational debt at the time they applied. Federal loans accounted for an average of more than $294,000, or 84%, of that debt.

Physicians, who represented nearly 88% of the awardees analyzed, reported an average total educational debt of approximately $323,000. The 66 dentist awardees reported an even higher average of nearly $424,000.

Although these awardees financed their education before the new limits took effect, their debt levels illustrate the potential gap facing future medical and dental students. Compared with the average federal debt held by Cohort 4 and 5 awardees, the new $200,000 federal limit would leave a difference of approximately $94,000 that students may need to cover through private loans or other funding sources.

CalHealthCares
Awardees
(Cohort 4 & 5)
Total
Awards
Percent of
Awardees
Total Educational
Debt at Application
(Average)
Average
Federal Debt
Average
Commercial Debt
Federal
Debt Proportion
Dentist 66 12.18% $423,673.50 $378,904.33 $44,769.17 88%
Federal 49 9.04% $449,043.61 $449,043.61 – 100%
Both 11 2.03% $343,430.59 $273,140.82 $70,289.77 81%
Commercial 6 1.11% $363,596.29 – $363,596.29 0%
Physician 476 87.82% $322,540.32 $282,429.13 $40,111.19 84%
Federal 356 65.68% $338,539.82 $338,539.82 – 100%
Both 57 10.52% $299,601.66 $244,141.92 $55,459.73 76%
Commercial 63 11.62% $252,884.46 – $252,884.46 0%
Grand Total 542 100.00% $334,855.43 $294,177.04 $40,678.40 84%

CalHealthCares estimates that, under the new federal limits, the proportion of awardees carrying private educational debt could have increased from approximately 25% to 88%—a 248% relative increase. Private loans often have fewer borrower protections than federal loans and are not eligible for federal programs such as Public Service Loan Forgiveness (PSLF). As future graduates rely more heavily on private financing, PSLF may cover a smaller share of their overall educational debt, leaving continued need for state loan repayment assistance, such as CalHealthCares.

Physician workforce shortage continues to grow

That need comes as California continues to face a significant physician workforce shortage. The Health Resources and Services Administration projects that California will have a shortage of more than 13,500 physicians by 2038, with a nationwide shortage exceeding 141,000.

CalHealthCares is one of several efforts designed to strengthen the health care workforce by helping physicians and dentists manage educational debt while serving Medi-Cal patients. Through its first five cohorts, the program committed $323 million in award grants to 1,414 awardees. Even with that substantial investment, CalHealthCares was able to fund only about 35% of the applications received.

A Cohort 1 awardee recently described why programs such as CalHealthCares remain critical:

“These types of programs are invaluable, especially nowadays, as the costs of medical education are increasing exponentially, while insurance reimbursement and physician salaries remain relatively stagnant. Few private employers offer meaningful student loan repayment, or do so with many strings attached, and federal programs such as PSLF, PAYE, and SAVE are somewhat volatile and can end at a moment's notice with changing administrations. Having options such as CalHealthCares can truly be a lifeline for many new graduates who want to serve in low-income areas and teaching hospitals, but at the same time find themselves struggling with balancing their student loan repayment and other financial obligations. I have encouraged several of the newer attendings at my institution to apply for this program and would continue to do so if the program carries on in future years.”

As the financing of medical and dental education changes, loan repayment programs such as CalHealthCares will remain an important tool for helping California recruit and retain health care professionals committed to serving communities with the greatest need.

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August 25, 2026

CalMedForce opens 2026–27 grant cycle with $83.5 million available for California GME programs

Physicians for a Healthy California (PHC), in partnership with the University of California, has opened the FY 2026–27 CalMedForce and CalMedForce+ grant cycle, providing approximately $83.5 million to support graduate medical education (GME) programs across California.

Together, CalMedForce and CalMedForce+ support new, expanding and existing residency and fellowship programs, with funding aimed at strengthening California's physician workforce and supporting programs that serve medically underserved areas and populations.

Programs submit one application and will be considered for all funding sources for which they are eligible. While the two programs share an application process, their funding sources and eligibility differ:

  • CalMedForce (Proposition 56): Approximately $19.5 million is expected to be available for primary care — family medicine, internal medicine, obstetrics and gynecology and pediatrics — and emergency medicine residency programs. Funding may support new, expanding and existing positions.
  • CalMedForce+ (Proposition 35):  Up to $64 million is available for all specialties and fellowships. All eligible program types may apply, with funding prioritized for new and expanding positions.

Eligible programs must be located in California and accredited by the Accreditation Council for Graduate Medical Education (ACGME), or receive accreditation by the time a grant contract is executed. Programs serving medically underserved populations and areas receive priority through the application scoring process.

Grant amounts vary by program type. New programs are eligible for up to $105,000 per resident or fellow per year for up to 5 years of funding, expanding programs up to $95,000 and existing programs up to $50,000. Funding amounts are approximate and subject to available funds and award criteria.

Programs are encouraged to review the FY 2026–27 grant guidelines and application resources at CalMedForce.org before submitting an application. Applications submitted before the deadline will receive a PHC staff review within one week to verify the completeness and accuracy of required documents. If staff identify an error, applicants will have three business days after notification to make the requested corrections.

Key Dates

  • August 25, 2026: Application cycle opens
  • October 6, 2026, at 7 p.m. PT: Application deadline; late applications will not be accepted
  • November–December 2026: Award announcements expected
  • Spring 2027: Award agreements distributed, with execution anticipated no later than July 1, 2027

For more information, visit CalMedForce.org.

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August 20, 2026

Building California's GME ecosystem: California’s next chapter in GME

Over the past decade, California has made significant investments in graduate medical education (GME), expanding training opportunities and developing innovative approaches to physician workforce challenges across the state. Yet despite that progress, physician shortages and geographic disparities persist, leaving many communities without adequate access to care. Better connecting that work — bringing programs, institutions and regions together to share what’s working and extend its impact — can help California build on that progress.

That idea was at the center of Physicians for a Healthy California’s (PHC) inaugural GME Leadership Summit, Building California’s GME Ecosystem Together, held July 21, 2026. GME leaders from across the state examined persistent workforce needs, shared approaches already showing promise and identified common challenges and priorities for the work ahead.

PHC President and CEO Lupe Alonzo-Diaz opened the summit by emphasizing PHC’s role not only in supporting residency positions, but also in bringing leaders together and strengthening the partnerships that help programs — and the communities they serve — succeed.

Where Physicians Train Matters
Where and how physicians train can shape where they ultimately practice, making GME an important part of addressing California’s uneven physician workforce distribution.

At the GME summit, Mathematica’s Diane Rittenhouse, M.D., MPH, examined GME through a workforce policy lens, while UCSF’s Janet Coffman, Ph.D., MPP, M.A., highlighted how California’s GME growth has played out geographically — for example, while family medicine programs have expanded into rural areas, many specialties remain concentrated in the state’s largest population centers.

But communities across California are already developing creative ways to address those gaps.

Healthy Rural California connects hospitals, community health centers, tribal health organizations and other partners to build a pathway that stretches from early exposure to health careers through residency training. Adventist Health connects residency programs across its health system and begins focusing on physician retention while residents are still training. The COMET Collaborative brings medical education and community partners together across California and Oregon to strengthen opportunities throughout the physician workforce continuum.

These models are different, but they point to the same opportunity: California does not need every community or program to solve its workforce challenges alone. Connecting successful approaches across institutions and regions can help local innovation travel farther.

What GME Leaders Need
That theme continued in feedback from summit participants.

GME leaders identified financing, faculty capacity, recruitment and retention, and access to clinical training opportunities as recurring pressures. Just as importantly, they identified what would help: practical resources, timely policy and funding information, focused work groups and more opportunities to learn directly from peers confronting similar challenges.

The message was clear. There is expertise throughout California’s GME community — but leaders need better ways to find it, share it and build on it.

Turning a Summit Into a Statewide Network
The July summit was a starting point. PHC is now building several ways for that collaboration to continue.

  • Regional convenings will bring GME and health care leaders together to identify regional priorities, strengthen relationships and ensure local perspectives help shape statewide resources and strategies.
  • The GME Learning Collaborative will create an ongoing network for leaders across the physician workforce continuum to exchange ideas, share resources and tackle common challenges.
  • PHC consulting services will continue supporting new and expanding residency programs and fellowships through feasibility studies, accreditation guidance and related technical assistance.

Together, these efforts are intended to make it easier for programs to learn from one another, share successful approaches and turn expertise developed in individual communities into progress across California.

California has already made real progress expanding GME. The next opportunity is to connect that work more intentionally, giving successful ideas, partnerships and solutions a path to reach farther.

Join the Effort
Interested in bringing GME leaders together in your region or exploring support for a new or expanding program? Contact Kristy MaKieve at kmakieve@phcdocs.org.

Subscribe for PHC updates and opportunities to participate in the growing GME Learning Collaborative, or contact phc@phcdocs.org with questions.
 

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July 1, 2026

PHC announces Mazer Award for Leadership, Mentorship and Advocacy

The California Medical Association (CMA) and Physicians for a Healthy California (PHC) are proud to announce the establishment of the Dr. Ted and Marcy Mazer Award for Leadership, Mentorship and Advocacy, a new initiative to recognize and cultivate the next generation of physician leaders. 

Made possible through a $50,000+ gift commitment from CMA Past President Ted Mazer, M.D., and his wife, Marcy, the award will provide up to $2,500 annually to support medical students, residents and early-career physicians, or to people or programs who support them, who demonstrate outstanding leadership and dedication to health care leadership and advocacy for physicians and patients.

“Strong physician leadership is essential to ensuring that physicians have a meaningful voice in shaping the future of health care and advocating for their patients and communities,” said Dr. Mazer. “Marcy and I are proud to support the next generation of physician leaders by helping to cultivate the leadership, advocacy and mentorship skills that are critical to advancing medicine, protecting access to care and improving outcomes for patients. Many of these skills and experiences are distinct from traditional medical training but are essential to effective physician leadership.”

Eligible applicants will include California-based medical students, residents and physicians in the early years of practice across all specialties who have shown a commitment to physician leadership, mentorship and advocacy, or other individuals or programs that support them. The award will support a range of leadership development activities, including mentorship programs, training and advocacy efforts.

The application window opens July 1, 2026, and will close August 14, 2026. For more information and to apply, click here.

We look forward to supporting the next generation of physician leaders through this new award.

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June 24, 2026

New data suggests CalHealthCares is helping retain providers in California

As the first CalHealthCares cohorts complete their service commitments, new data suggests the program is helping physicians and dentists build lasting careers serving California communities.

According to a recent review of licensure data, 95% of awardees from both Cohort 1 and Cohort 2 continue to hold active California licenses after concluding their participation in the program. Among awardees who completed the full five-year service commitment, 98% maintained California licensure.

The findings offer an early look at the program's long-term impact beyond loan repayment assistance and required service obligations.

For many participants, CalHealthCares provided financial support that allowed them to focus on patient care and establish practices in communities with significant health care needs. "Receiving the debt relief has enabled me to focus on my efforts as a clinician and to be able to cater to my patients' needs," said Alexander Arin, M.D., a CalHealthCares awardee from Orange County. 

Another participant said the experience strengthened their commitment to serving patients in underserved communities. "After this experience over the last five years, I know exactly what needs to be tackled, where I need to be and where my work is needed the most," said Almira Opardija, M.D., an awardee from Fresno County

Awardees have also described the program as an important tool for expanding access to care for Medi-Cal patients throughout California. "Participating in CalHealthCares means participating in a program whose mission is to alleviate huge gaps in health care access," said Dr. Opardija.

Since its launch in 2019, CalHealthCares has awarded more than $200 million in loan repayment assistance to physicians and dentists serving Medi-Cal patients across California. Awardees have collectively provided more than 4 million appointments to Medi-Cal patients.

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May 21, 2026

The state of GME in California: What we’re hearing from the field

Across California, graduate medical education (GME) partners are navigating growing workforce demand, limited funding and increasingly complex structural constraints. Recent insights from a Physicians for a Healthy California survey of California GME designated institutional officials found that more than 60% of responding programs want to expand their residency programs.

Additional themes emerging from the survey include:

  • Demand for training positions continues to exceed available funding 
  • Programs are balancing growth with sustainability 
  • Workforce needs are shifting across both primary care and high-need specialties 

These findings underscore the need for sustained investment and coordinated workforce planning across California.

At the upcoming GME Leadership Summit, we’re bringing together leaders from across the state to move these conversations forward grounded in data, informed by experience and focused on solutions.

We’re also proud to feature speakers who are shaping the future of GME through innovation, partnership, and advocacy!

Register now to join the conversation.

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April 30, 2026

PHC releases 2025 Annual Report

Physicians for a Healthy California (PHC) is pleased to announce the publication of its 2025 Annual Report, available here. This annual report memorializes PHC’s major achievements, highlights program successes and shares the organization’s financial statements. We look forward to continuing our work in the coming years.

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April 29, 2026

PHC to convene statewide GME summit to address physician workforce challenges

Physicians for a Healthy California (PHC) will host a statewide Graduate Medical Education (GME) Leadership Summit this summer, convening experts and stakeholders to address California’s most pressing physician workforce challenges.

The virtual event, titled Building California’s GME Ecosystem — Together, will take place on Tuesday, July 21, 2026, from 9 a.m. to 12 p.m.

The summit will bring together CalMedForce and CalMedForce+ awardees alongside GME thought leaders from across the state, creating space for meaningful dialogue and collaboration across the physician training continuum.

Through a mix of discussion and peer exchange, participants will explore practical solutions to key challenges facing GME, including long-term funding sustainability, persistent workforce shortages, and the need to recruit and retain physicians in rural and underserved communities.

The summit is designed not only to share ideas, but also to surface strategies that can be implemented and scaled across California.

The event will also mark the launch of a new statewide GME Learning Collaborative. Attendees will play an active role in shaping the initiative by identifying priorities, strengthening partnerships and helping build a more coordinated, long-term approach to supporting California’s physician workforce.

For more information, visit phcdocs.org/gme-summit. Questions? Contact Kristy MaKieve at kmakieve@phcdocs.org. 
 

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April 6, 2026

PHC programs strengthen California’s workforce

Physicians for a Healthy California (PHC) has released new regional fact sheets that show the impact of its programs across California’s health care system. Through its graduate medical education (GME) programs, CalMedForce (Prop 56, 2016) and CalMedForce+ (Prop 35, 2024), and its loan repayment program, CalHealthCares (Prop 56, 2016), PHC invests in training, supporting, and retaining health care professionals serving California’s medically underserved communities. 

Since 2018, applicants across these programs have requested more than $1.7 billion in funding, total of $678.3 million awarded to support workforce development statewide. While these investments have made meaningful progress, they also highlight a persistent gap between available resources and the level of need. Together, these programs play a critical role in sustaining and expanding California’s health care workforce and improving access to high-quality care. 

As conversations continue at the federal level, including drastic changes to health care funding, PHC remains committed to advocating for sustained investments that strengthen training pathways and support communities across the state. Building on this momentum, PHC will host its inaugural GME Leadership Summit virtually on July 21, 2026, with additional details to be shared in the coming months. For questions about the upcoming summit, contact Kristy MaKieve at kmakieve@phcdocs.org. 

Explore PHC’s impact in each of California’s regions: 

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February 6, 2026

Congratulations to this year’s MedStudentsServe awardees advancing community health across California

Physicians for a Healthy California (PHC) is proud to award more than $30,500 in MedStudentsServe grants to outstanding medical students leading innovative projects to expand access to care and strengthen the health of underserved communities across the state.

This year’s awardees are taking a hands-on, community-centered approach to care. Their projects include partnering with local clinics and organizations to provide memory screenings and caregiver education for Asian American seniors; deliver street-based medical and wound care services to individuals experiencing homelessness; and offer mobile vision screenings with prescription eyeglasses in community settings. 

Additional awardees are reducing practical barriers to care through transportation support, expanding routine childhood vaccinations, and leading culturally responsive mental health education programs for youth and families. Together, these projects meet patients where they are—in neighborhoods, schools, shelters, and trusted community spaces—helping ensure care is accessible, welcoming and responsive to local needs.

Through the MedStudentsServe program, PHC invests in the next generation of physician leaders by funding student-driven educational, advocacy, service, and outreach efforts that improve health and well-being throughout California. By empowering students to design and lead real-world solutions now, PHC helps cultivate physicians who are deeply connected to the communities they serve and committed to advancing health equity statewide.

View the full list of this cycle’s awardees and project descriptions here.
 

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