In other words, you are an income tax dependent of your parents whose income is high enough so that you do not get subsidies?
Would the $3617.76 to $7636.80 (over a year) extra cost (for an unsubsidized plan bought through Covered California) added to the CPSLO cost affect your choice between CPSLO and the other schools?
Don’t forget to add any costs associated with needed student medical insurance at the other schools to those schools’ costs.