Tell us about yourself
We'll find plans available in your area for 2026, including your estimated tax credit.
Small Business Coverage
SHOP (Small Business Health Options Program) plans are designed for employers with 1–50 employees and require a dedicated business specialist to set up correctly.
Email us at support@coveredamerica.org and a licensed small business specialist will reach out to discuss your options, pricing, and what plans are available for your team — completely free.
Your State has its own health insurance exchange
is a state-based marketplace that operates independently from HealthCare.gov. Plans, pricing, and subsidies are managed directly by the state.
We're redirecting you to our licensed partner enrollment site where you can compare all available plans in your state and enroll — completely free, with the same subsidies and plans you'd find on the state exchange.
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Household members applying for coverage
Add everyone who needs health insurance. Ages affect plan availability and pricing.
Your income appears to be below the poverty level. Your state has not expanded Medicaid, which means you may not qualify for Medicaid OR for marketplace subsidies — this is known as the "coverage gap." You may still browse plans below, but costs may be high without a subsidy.
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You may qualify for a premium tax credit!
Based on your household income, your estimated monthly subsidy (APTC) is: — — applied automatically to reduce your monthly premium.
Actual credit amount is determined at enrollment. Prices below show premiums after your estimated credit is applied.
🔍 Check Doctors & Prescriptions Before You Choose
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Try a different metal level or view all plans.
Why Use Covered America?
Metal Level Guide
Platinum: You pay ~10%. Highest premiums, lowest costs.
Gold: You pay ~20%. Good balance of premium and sharing.
Silver: You pay ~30%. Eligible for Cost Sharing Reductions.
Bronze: You pay ~40%. Low premiums, higher deductibles.
Catastrophic: Lowest premiums. Under 30 or hardship only.
