01Marketplace
ACA and marketplace plans
Individual and family coverage with the 10 essential health benefits. Most households qualify for a premium tax credit that lowers the monthly cost.
Individuals and families
Coverage built around your household.
One place to compare every plan we offer, from marketplace and Medicare coverage to dental, vision, and life. Start with your ZIP code and see what is actually available where you live.
No cost to comparePlan prices are set by the insurance company, so enrolling with a licensed agent never costs more than enrolling on your own.
All plan types
Every option, in one list.
Numbered paths, not jargon. Open the one that matches your situation, or enter your ZIP code if you would rather see prices first.
02Age 65 and over
Medicare plans
Advantage, Supplement, and Part D options for adults turning 65 or living with a qualifying disability.
03State programs
Medicaid plans
Free or low-cost coverage for people who meet their state income and household rules. You can apply in any month of the year.
04Dental
Dental plans
Cleanings, fillings, and major work, either bundled with a health plan or bought on its own.
05Vision
Vision plans
Eye exams plus an allowance for frames, lenses, or contacts at retail and independent eye doctors.
06Through work
Health plans through work
Make sense of the plan your employer offers, or find coverage for the gap between jobs.
07Life
Life insurance
Term, whole, and final expense policies that pay a benefit to the people who depend on your income.
08Students
Student health plans
Coverage for college and graduate students, including options when a school plan is not the best fit.
09Supplemental
Supplemental insurance
Accident, critical illness, and hospital indemnity plans that pay cash benefits alongside your main coverage.
How to choose
Six things worth comparing before you enroll.
The cheapest premium is not always the cheapest year. Weigh the monthly cost against what you would owe if someone in the household needed real care, then confirm your doctors and prescriptions are covered before you commit.
- The monthly premium, and any tax credit you qualify for
- The deductible you pay before most coverage starts
- Copays and coinsurance for visits, drugs, and procedures
- The out-of-pocket maximum, which caps a bad year
- Whether your doctors and hospitals are in the network
- Whether your prescriptions are on the drug list
Timing
When you can enroll.
Marketplace plans have an annual Open Enrollment Period. Outside of it, you need a qualifying life event, and most give you about 60 days to pick a plan.
- Losing coverage from a job, a school, or a parent plan
- Moving to a new ZIP code or county
- Getting married or divorced
- Having a baby, adopting, or placing a child in foster care
- A change in income that changes what you qualify for
- Becoming a U.S. citizen or lawfully present resident
Already covered
Get more out of the plan you have.
Members can pull up an ID card, check what is covered, track a claim, and find in-network care without calling anyone. If you are still shopping, these are the tools waiting for you after you enroll.
Good to know
Questions families ask first.
Which plan type is right for my family?
Start with who needs coverage and when. Adults under 65 without job coverage usually compare marketplace plans first, and check Medicaid and CHIP if income is limited. Adults 65 and over look at Medicare. Dental, vision, life, and supplemental plans are add-ons you can buy in any combination.
Can I cover my whole household on one plan?
Often, yes. A marketplace plan can cover a spouse and dependent children on one policy. Medicare is always individual, so a household where one person is 65 and another is younger usually needs two separate plans.
How much does coverage cost?
It depends on where you live, how old you are, how many people you are covering, and the level of coverage you pick. Premium tax credits are based on household income and size, so two families in the same plan can pay very different amounts. Enter your ZIP code to see real prices for your area.
Do I have to pay to use an agent?
No. Licensed agents are paid by the insurance companies, so comparing plans and enrolling with help costs you nothing extra, and the plan price is the same either way.
What if I miss Open Enrollment?
You can still enroll if you have a qualifying life event, which opens a Special Enrollment Period of usually 60 days. Medicaid and CHIP have no enrollment window at all, and some products such as dental, life, and supplemental plans can be purchased year round.
Plan availability, benefits, and prices vary by location and eligibility, and not every plan type is offered in every state.
Ready when you are
See plans available in your area.
Enter your ZIP code to compare coverage options in minutes.