Find affordable health insurance coverage that best suits your needs

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Learn from our health insurance analysts so you can choose coverage that best suits your needs

Health insurance Marketplace

Looking for affordable health insurance? An ACA (Affordable Care Act) Marketplace plan might be a great option for anyone who doesn’t receive health benefits through work, is self-employed, retiring early, or who doesn’t qualify for Medicaid or Medicare.

Explore Marketplace coverage

Short-term health insurance

Short-term health insurance may not offer all benefits of major medical but can offer temporary coverage during life transitions like job loss or missed enrollment. Find out if it’s right for you.

Explore short-term coverage

Medicaid

Medicaid is a joint federal and state health insurance program for low-income individuals and families. Coverage is generally free or low-cost. Eligibility varies by state.

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Medicare

Medicare is federal health insurance for those 65 and older and younger people with certain disabilities, permanent kidney failure (ESRD), or amyotrophic lateral sclerosis (ALS). For added benefits like Rx coverage and help with out-of-pocket costs, many individuals buy Medicare Advantage, Medigap, Part D, and other supplemental plans.

Explore Medicare

Dental insurance

Adult dental care isn’t typically covered by major medical insurance plans. Dental insurance can help with the cost of services such as cleanings, dentures, and costly procedures like fillings and crowns.

Explore dental coverage

Supplemental options

Supplemental insurance can help cover out-of-pocket medical costs and non-medical expenses that major medical insurance may not cover, helping with unexpected costs. Some plans offer cash benefits paid directly to the insured that can be used for medical bills, lost income, or daily living expenses during emergencies. Benefits may also be assigned directly to the provider.

Explore supplemental coverage

Would ACA subsidies lower your health insurance premiums?

Use our 2026 ACA health insurance subsidy calculator to see if you’re eligible for premium subsidies – and your potential savings if you qualify.

Learn more about who is eligible for subsidies and how it is calculated.

† 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.

Obamacare subsidy calculator †

Modified Adjusted Gross Income (MAGI)

For most taxpayers, your MAGI is close to AGI (Line 11 of your Form 1040).

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Availability and coverage can vary by state

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Health insurance availability in the USA

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Learn what’s changing for 2027 ACA open enrollment, including higher premiums, insurer exits, subsidy changes, out-of-pocket costs and new eligibility rules.