A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.

Get help from a licensed insurance agent 888-389-0372

Get help from a licensed insurance agent 888-389-0372

A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.

Individual & Family

Health Insurance Marketplace Short-Term Health Insurance Medicare Medicaid

Supplemental

Dental Insurance Critical Illness Insurance Accident Insurance Cancer Insurance Vision Insurance

Marketplace by state

A-G

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia

H-L

Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana

M

Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana

N-R

Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island

S-W

South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Featured

2027 ACA open enrollment: What’s changing

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

Calculators

Subsidy calculator Federal poverty level calculator Employer plan affordability calculator Annual income calculator

Featured

Will you receive an ACA premium subsidy?

Learn how to determine if you qualify for ACA premium subsides, how subsidies are calculated, and why subsidy amounts in 2027 may be different than previous years.

The ACA

What's the Affordable Care Act (Obamacare)? How to shop the ACA Marketplace Open enrollment Special enrollment

In-depth guides

How to choose the best plan Medicare: Ultimate guide Medicaid: State-by-state Self-employed: How to get covered College students & grads: Your options

Health reform & FAQs

FAQs Blog: Health reform insights Glossary

Featured

Qualifying life events that trigger an ACA special enrollment period

Learn what a qualifying life event is and which life changes (like marriage, job loss, birth, or moving) trigger a special enrollment period to get an ACA-qualified plan outside open enrollment.

Home > Glossary > O

Health insurance and Obamacare terms

zero-premium plan

Find affordable health plans.

Helping millions of Americans since 1994.

I'm looking for:

ZIP Code

(Step 1 of 2)

About our health insurance quote forms and phone lines

We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. You may submit your information through this form, or call to speak directly with licensed enrollers who will provide advice specific to your situation. Read about your data and privacy.

With respect to Medicare: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800– MEDICARE to get information on all of your options.

If you have questions or comments on this service, please contact us.

1 A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

O