PRIVATE HEALTH COVERAGE RESOURCE
Health coverage made easier to understand.
Explore health insurance options available in your area, understand potential Marketplace savings, and compare coverage based on your household, budget, and healthcare needs.
- Compare available coverage options
- Learn about potential Marketplace savings
- Simple, secure online process
GetAffordablePlan · Health Coverage ResourceExplore coverage anytimeYour options, side by side
Illustrative · plans vary by ZIP
- Bronze
- Silver
- Gold
You may qualify for financial help
- Nationwide
- Coverage research
- Multiple
- Coverage options
- Simple
- Online experience
WHAT MARKETPLACE PLANS COVER
Marketplace coverage includes important everyday benefits.
Marketplace health plans generally include ten categories of essential health benefits under the Affordable Care Act. Specific benefits, costs, provider networks, and services can vary by plan and location.
Benefits, provider networks, deductibles, copayments, coinsurance, formularies, and covered services vary by plan and location. Review official plan documents before enrolling.
- 01
Preventive & Wellness Care
Routine preventive services, screenings, and wellness care are included in Marketplace coverage.
- 02
Emergency Services
Marketplace coverage includes emergency medical services for unexpected healthcare needs.
- 03
Hospital Care
Marketplace plans include inpatient hospital services and related covered care.
- 04
Prescription Drugs
Plans include prescription drug coverage, subject to each plan's formulary and cost-sharing requirements.
- 05
Maternity & Newborn Care
Pregnancy, maternity, childbirth, and newborn care are included among essential health benefits.
- 06
Mental Health Services
Marketplace plans include mental health and substance use disorder services.
- 07
Laboratory Services
Plans include covered laboratory and diagnostic services.
- 08
Pediatric Services
Marketplace coverage includes pediatric services, including certain dental and vision benefits for children.
- 09
Rehabilitative Services
Plans include rehabilitative and habilitative services and devices.
- 10
Outpatient Care
Coverage includes eligible healthcare services received without hospital admission.
ACA PROTECTIONS
Have a pre-existing condition? Marketplace plans still provide important protections.
Under the Affordable Care Act, Marketplace health plans cannot deny coverage, charge higher premiums, or exclude essential health benefits solely because of a pre-existing medical condition.
Whether you manage an ongoing condition or simply want dependable coverage for the future, understanding these protections can help you compare your options more confidently.
No health-based rejection
Marketplace coverage cannot be denied solely because of your medical history.
No higher premium based on health history
Your medical history cannot be used as a factor to increase Marketplace premiums.
Coverage from the start
Eligible treatment for pre-existing conditions is covered once qualifying Marketplace coverage becomes effective.
Pregnancy protection
Pregnancy is also protected under Marketplace coverage rules.
MARKETPLACE SAVINGS
You may qualify for savings on Marketplace coverage.
Depending on your household information, estimated annual income, location, and other eligibility factors, you may qualify for a premium tax credit that lowers the monthly cost of a Marketplace health plan.
Eligibility and the amount of financial assistance are determined through HealthCare.gov or the applicable state Health Insurance Marketplace.
Household Income
Your expected household income for the coverage year is an important factor when determining potential Marketplace savings.
Household Information
Family size and who needs coverage can affect eligibility and available options.
Where You Live
Plan availability, premiums, insurers, and coverage options vary by state and ZIP code.
Marketplace savings are not guaranteed. Eligibility and final premium amounts are determined through the applicable federal or state Marketplace.
HOW IT WORKS
A simpler way to explore health coverage.
- 1
Tell us about your coverage needs
Provide basic information such as your location, household, and the type of coverage you are interested in.
- 2
Review relevant coverage information
Explore health insurance options and learn how premiums, deductibles, provider networks, prescription benefits, and other features can differ.
- 3
Take the next step toward coverage
When you are ready, continue through an appropriate enrollment resource or connect with a licensed insurance professional where available.
WHEN CAN YOU ENROLL?
Open Enrollment is annual — but some life changes may let you enroll sooner.
Annual Open Enrollment · 2027 plans
Nov 1→Jan 15
November 1, 2026 to January 15, 2027
For states using HealthCare.gov, Open Enrollment generally runs from November 1 through January 15. State-based Marketplace dates may vary.
Enroll by December 15, 2026 for coverage that starts January 1.
You may qualify outside Open Enrollment after certain life events.
Special Enrollment eligibility depends on individual circumstances and applicable Marketplace rules.
- Loss of health coverage
- Marriage
- Having or adopting a child
- Certain permanent moves
- Turning 26 and losing dependent coverage
- Other qualifying household or eligibility changes
You usually have 60 days from the event. Special Enrollment eligibility depends on individual circumstances and applicable Marketplace rules.
QUESTIONS
Frequently asked questions
Have questions? Explore answers about ACA Marketplace coverage, enrollment, and available options.
What is an ACA Marketplace health plan?
Marketplace plans are individual and family health insurance plans offered through the federal or applicable state Health Insurance Marketplace and designed to meet Affordable Care Act requirements.
Is GetAffordablePlan a government website?
No. GetAffordablePlan is a privately operated website and is not HealthCare.gov, CMS, a federal or state government agency, or an official Health Insurance Marketplace.
Does using this website enroll me in health insurance?
No. Exploring information or submitting an inquiry through GetAffordablePlan does not by itself enroll you in a health insurance plan.
Can I qualify for lower monthly premiums?
You may qualify for Marketplace premium tax credits based on factors such as household information, expected annual income, and applicable eligibility requirements. Final eligibility is determined through the appropriate Marketplace.
Are pre-existing conditions covered?
ACA-compliant Marketplace plans cannot deny coverage or charge higher premiums solely because of a pre-existing medical condition.
Can I get coverage outside Open Enrollment?
Possibly. Certain qualifying life events may make you eligible for a Special Enrollment Period.
Does every plan include the same doctors?
No. Provider networks vary by insurance company and plan. Consumers should verify that preferred doctors, hospitals, and healthcare facilities participate in a plan's network before enrolling.
Are prescription medications covered?
Marketplace plans include prescription drug coverage, but covered medications, formularies, copayments, coinsurance, and other requirements vary by plan.
What information may I need when exploring coverage?
Useful information may include your ZIP code, household size, estimated annual income, current coverage, preferred doctors, prescription medications, and expected healthcare needs.
What should I compare when reviewing health insurance?
Consider more than the monthly premium. Review deductibles, copayments, coinsurance, provider networks, prescription coverage, out-of-pocket limits, covered services, and other plan features.
EXPLORE YOUR OPTIONS
Start exploring health coverage that fits your needs.
Answer a few basic questions to learn more about health insurance options that may be available based on your location and coverage needs. Requesting information does not obligate you to enroll in or purchase a health insurance plan.
- Compare available coverage options
- Learn about potential Marketplace savings
- Simple, secure online process