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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Individual & Family
Supplemental
Coverage by state
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Missed open enrollment?
Outside of ACA's open enrollment period, you can only sign up for ACA-compliant health coverage if you qualify for a special enrollment period. But you may have other coverage options.
Calculators
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Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why they are more robust through 2025.
The ACA
In-depth guides
Health reform & FAQs
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Federal poverty guidelines for 2025
The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.
Metal level details in your state
Affordable Care Act plan costs and subsidy savings vary by metal level. Select your state to see average premiums and subsidy savings for each metal level – and see the percentage of your state’s enrollees who bought plans at each metal level.
Marketplace plan cost comparison (by metal level*)
Click “Find plans” to take a look at premium and benefit options offered by our agency partners.
Because this state utilizes a state-based Marketplace, subsidy data is not available.
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Provide information above to get an estimate.
*Values displayed by this tool are from data generated by CMS and reflect 2025 Marketplace health plans purchased in each state. The values returned are averages based on the plans purchased by consumers of each selected state: subsidy and premium values vary based on factors such as zip code, age, household size, and income.
*Values displayed by this tool are from data generated by CMS and reflect 2025 Marketplace health plans purchased in each state. The values returned are averages based on the plans purchased by consumers of each selected state: subsidy and premium values vary based on factors such as zip code, age, household size, and income.