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Navigating health insurance can be daunting, but with the right partner, it doesn’t have to be. Since 1999, healthinsurance.org has been the trusted online resource for affordable coverage. Learn from our policy experts, get quotes, and find the best insurance to protect yourself and your family.
Find out how the American Rescue Plan has cut marketplace insurance costs for millions of Americans, and how the Inflation Reduction Act extends that assistance through 2025.
Short-term health plans provide temporary health insurance for consumers who may find themselves without comprehensive coverage. Learn more about short-term plan availability in your state.
Hoping to improve your smile? Dental insurance may be a smart addition to your health coverage. Our guide explores dental coverage options.
Over 66 million people are enrolled in Medicare plans nationally. 1 Read our guide to understand Medicare, Medicare Advantage, and Medigap coverage options, as well as state regulations on Medigap.
Supplemental insurance is limited benefit coverage that’s designed to supplement – but not replace – your regular major medical insurance policy.
When it comes to health coverage, the state where you live impacts your options. Select your state to learn more about health insurance options in your area.
Outside of ACA’s annual open enrollment, you can still enroll or change plans if you experience a qualifying life event.
During open enrollment for 2024 coverage, 92% of buyers had their premiums reduced by ACA subsidies. 2 And the subsidies are larger than they used to be, due to the American Rescue Plan and Inflation Reduction Act. 3
Starting in early/mid-2023, states began disenrolling people from Medicaid for the first time in three years, and nearly 25 million people had been disenrolled from the program as of July 2024. 4 If you’re losing Medicaid, do you know how to avoid becoming uninsured?
Right now, more Americans than ever are buying comprehensive Affordable Care Act (ACA)-compliant individual and family health insurance plans. 3 The ACA created income-based subsidies to make these plans more affordable – or even zero-cost. 5
And those subsidies are now more widely available as a result of the American Rescue Plan and Inflation Reduction Act. 6 ACA-compliant individual and family plans may be a good fit for people who are …
Individual health insurance plans are purchased by people who don’t have major medical coverage through an employer-sponsored health plan or a government health plan such as Medicare, Medicaid, Children’s Health Insurance Program (CHIP) or Tricare.
Since 2014, all ACA-compliant individual health insurance plans have been required to cover essential health benefits (outpatient care, emergency services, hospitalization, mental health and substance use disorder services, prescription drugs, rehab services, lab services, preventive and wellness services, pregnancy, maternity and newborn care, and pediatric services) without annual or lifetime benefit caps, and they cover pre-existing conditions. 7
What you pay for coverage depends on your age, income, where you live and whether you use tobacco. Thanks to the Affordable Care Act, your medical history will not affect your premiums, and neither will your gender.
Keep in mind that many people do qualify for income-based premium subsidies that offset a significant portion of their monthly costs. Across the nearly 20 million people who received premium subsidies in 2024, the average after-subsidy premium was about $74/month. 2
Yes! The key is to understand that it’s income-based subsidies that keep the monthly premiums less expensive. You’re still buying ACA-compliant health coverage, but people who qualify for the subsidies do not have to pay the full premiums that go along with those plans.
Instead, many Marketplace enrollees are eligible for subsidies that can cover a significant portion of the premium! Just know that even if your after-subsidy portion of the premium is less expensive, the coverage itself is still robust.
Your eligibility for premium tax credits is based on the relationship between your household income and the federal poverty guidelines. 8 So your age, location, and income will all factor into determining your eligibility. But many Marketplace applicants will qualify for premium subsidies, and many also qualify for financial assistance to reduce their out-of-pocket costs. 2
You can use our premium subsidy calculator to understand more about your subsidy eligibility. It only takes a few minutes and all you have to provide is your zip code, age, household size, and income.
You can enroll in an ACA-compliant individual or family health plan during open enrollment or during a special enrollment period. In most states, open enrollment runs from November 1 to January 15. Read our Guide to Open Enrollment.
Special enrollment periods can be available at any time of the year, and are generally linked to a specific qualifying life event, such as losing health coverage, having a baby, moving to a new area, or getting married. Read our Guide to Special Enrollment Periods.
Medicaid benefits and eligibility is different in every state. Click on your state on this map to learn more about eligibility rules where you live.
Learn more about the federal poverty level and how it’s used to determine your eligibility for Medicaid. Use our federal poverty level calculator.
Federal poverty level calculatorof Federal Poverty Level
Use our 2024 subsidy calculator to see if you’re eligible for ACA premium subsidies – and your potential savings if you qualify.
* This tool provides ACA premium subsidy estimates based on your household income. healthinsurance.org does not collect or store any personal information from individuals using our subsidy calculator.
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We’ve been helping people understand and navigate the individual health insurance market since 1999. More than 2.9 million readers viewed our pages in 2023.
Tools for health insurance shoppers.Millions of users have utilized our Obamacare Subsidy Calculator and other resources.
Partnerships with leading members of the health insurance industry.We vet our business partners carefully, so our readers can feel confident when comparing plans that range from individual and family, to dental and Medicare.
Experience with health reform.Our insurance analysts have been analyzing health reform efforts – including the Affordable Care Act – since 2008.
With respect to Medicare: Our partners do not offer every plan available in your area. Any information we provide to you is limited to those plans our partners offer in your area. Please contact Medicare.gov or 1–800– MEDICARE to get information on all of your options. Any Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal.
HealthInsurance.org, LLC owns and operates healthinsurance.org, an online source providing consumer information about health insurance and health reform for over 25 years. HealthInsurance.org, LLC may receive compensation, including from its affiliate, IHC Specialty Benefits, Inc., a licensed insurance agency located at 5353 Wayzata Blvd., #300, St. Louis Park, MN 55416. IHC Specialty Benefits, Inc., is an independent agency appointed with a variety of organizations offering insurance plans.
