Find the health insurance coverage you need.
Would ACA subsidies lower your health insurance premiums?
Obamacare subsidy calculator *
Estimated annual subsidy
Fast free quotes on health insurance that fits your needs – and your budget
The American Rescue Plan's premium-cutting subsidies
Find out how the American Rescue Plan will drastically cut marketplace health insurance costs for millions of Americans. Learn about $0 Silver premiums. Enroll now during open enrollment (through January 15 in most states).
Check your eligibility for Medicaid
Thirty-six states and Washington, DC, made nearly 10 million low-income Americans eligible for Medicaid by implementing ACA’s Medicaid expansion. See if your state expanded eligibility. Then, use our Federal Poverty Level Calculator to check your eligibility for enrollment.
Medicare open enrollment 2021
Medicare’s open enrollment (Oct. 15-Dec. 7) is an annual opportunity to reevaluate your coverage – whether it’s Original Medicare with supplemental drug coverage, or Medicare Advantage – and make changes or purchase new policies if they want to do so. Learn more in our 2021 Medicare Open Enrollment Guide.
Flexible dental benefits. Fast approval.
Protect yourself from the soaring costs of dental procedures. Compare plan options to see premiums and deductibles that fit your budget.
Frequently asked questions about individual health insurance
Individual health insurance refers to health insurance coverage in the United States that’s purchased by individuals who don’t have coverage through an employer-sponsored health plan or through government health plan such as Medicare, Medicaid, CHIP or Tricare.
Individual health insurance is also referred to as individual/family coverage, because the plans can also be used to cover family members.
Regardless of whether you purchase individual health insurance on-exchange or off-exchange, your enrollment in ACA-compliant coverage is limited to the annual open enrollment period or to a special enrollment period triggered by a qualifying event.
In most states, the annual open enrollment period for 2022 health plans will run from November 1, 2021 to January 15, 2022. But DC and 17 states run their own enrollment platforms; several of them have opted for a January 15 end date, but there are also some with earlier or later deadlines.
We’re here to help you understand health insurance.
I really appreciate you taking the time to help out and explain things to people who need it the most.
Thank you, Louise! This is extremely helpful and makes me feel better prepared to navigate my transition.
Louise, Thank you so much for the clear and very helpful response. I’ve learned a lot from you on the subject.
Thank you, Louise for your detailed answer. Your first paragraph is exactly what we were looking for!
Thank you so much … this is one of the clearest articles on the income limits and subsidy amounts.
When it comes to health insurance, we’re the voice of experience.
Talking about health insurance since 1994.
Tools for health insurance shoppers.
Partnerships with leading health insurance carriers.
Experts on health reform.
Answering your burning questions.
Learn about health insurance coverage options in your state.
Our state guides offer up-to-date information about ACA-compliant individual and family plans and marketplace enrollment; Medicaid expansion status and Medicaid eligibility; short-term health insurance regulations and short-term plan availability; and Medicare plan options.
- District of Columbia
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia