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Common health insurance situations

ACA marketplace plansCompare Obamacare plans and see what savings you may qualify for.Lost your job?Bridge the gap between employer coverage and your next plan.Self-employed & small businessCoverage built for freelancers, owners, and their teams.Family coverageOne plan that works for everyone under your roof.Approaching 65Get ready for Medicare: enrollment windows, plan types, and timing.Medicare SupplementFill the gaps Original Medicare leaves behind.
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Know what you're looking for? Start there.

Every product page explains fit and limitations before anything asks for your information.

Not sure? Start from your situation

ACA Marketplace

Health plans, with financial help for those who qualify.

Medicare

What it covers, what it costs, and when to sign up.

AdvantagePart DSupplement

Dental & Vision

Standalone coverage, from cleanings to new glasses.

Short-Term Medical

A temporary private bridge; state rules decide the rest.

Short-term plans are not ACA-compliant, may not cover pre-existing conditions, and are not available in all states.

Supplemental Health

Cash benefits for accidents, hospital stays, and diagnoses.

Health Savings Accounts

Tax-advantaged dollars for care, now or years from now.

About Medicare plans

We do not offer every plan available in your area. Currently we represent 7 organizations which offer 3,188 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Tools to help you choose coverage and get the most from it

Free decision-support tools built on real 2026 data.

Calculate your ACA premium tax creditEstimate your 2026 ACA Marketplace premium tax credit from real federal data. 87% of Marketplace enrollees received a premium tax credit in 2026.*~2 minutesCalculate my creditDoes your ACA Marketplace plan unlock an HSA?New rules may let Bronze and Catastrophic plans pair with a tax-free health savings account.30-second checkSee if I qualifyWhat ACA Marketplace coverage costs near youTypical benchmark Silver premiums for ACA Marketplace plans in your state, before subsidies bring them down.Real 2026 marketplace dataCheck my stateWhen can you enroll in Medicare?Two questions map you to your enrollment window (Initial, General, Special, or Annual) and your penalty exposure.2 questionsCheck my timing

See what your household could save on ACA Marketplace plans bought on the exchange

Applies to on-exchange ACA Marketplace plans only. Your estimated 2026 premium tax credit, from real federal data. Estimates only: your final credit is determined when you enroll.

Tools & resources

Estimate your ACA premium tax credit

For on-exchange ACA Marketplace plans only. About 2 minutes.

2026 federal data

Estimate only. Uses 2026 plan prices and tax credit rules. 2027 amounts may differ. Your final credit is determined when you enroll.

Your estimated 2026 monthly savings
Tax credit: …Your cost: …
Estimated monthly cost by plan tier (after credit, illustrative)
…Bronze
…Silver
…Gold
…Platinum
See Plans In Your Area

Savings depend on location, income, and plan selection.

For under-65 coverage, we work with agency partners that represent carriers like

  • UnitedHealthcare
  • Aetna
  • Cigna
  • Anthem
  • Kaiser Permanente
  • Aflac
  • Allstate
  • ManhattanLife
Prefer the government site? Estimate and enroll at HealthCare.gov

Learn before you choose

Not shopping yet? Start with a guide. Every one connects you to the right next step when you're ready.

GuideTurning 65When and how to enroll in Medicare, without the guesswork.Start learningGuideHealthcare savings (HSA)How to make tax-free dollars work harder for your care.Start learningGuideSupplemental health insuranceWhat it covers, who it's for, and when it's worth it.Start learningGuidePrescription coverageUnderstand your options for keeping medications affordable.Start learningGuideMedicare Advantage vs. MedigapCompare plan types side by side so you pick the right fit.Start learningGuideDo I really need insurance?Why going without coverage is riskier (and more expensive) than you think.Start learning
Visit the Learning Center

Why shoppers start at Healthcare.com

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5+ millionpeople helped finding coverage since 2014Source: Healthcare.com internal data, verified May 2026
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Consumer guides and advice

Easy-to-understand advice on how to save, enroll, and get the most from your coverage.

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June 19, 20267 Things You Need to Know About the “Triple Tax Advantages” of an HSAIt's no secret that HSAs have a “triple tax advantage.” It's mentioned e…Read More
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May 19, 2026Best Life Insurance Companies in the U.S. Ranked by Financial Strength and Customer SatisfactionEvery life insurance company claims to be “the best,” “the mos…Read More
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May 19, 2026Term vs Whole Life Insurance: Which One Is Actually Better for Most People?When shopping for life insurance, most people quickly encounter a fork in the ro…Read More
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April 22, 2026What You Should Know About Canceling Health Insurance From Any Insurance ProviderCanceling your health insurance isn't as simple as flipping a switch. And, doi…Read More
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April 20, 2026The Most Popular Health Insurance Companies in the USA RankedIn the United States, a relatively small group of health insurance companies dom…Read More
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March 27, 2026What Is the Average Health Insurance Deductible in 2027?The deductible is the amount you pay out-of-pocket before your health insurance…Read More

Medicare guides and news

From Medicare Guide, a Healthcare.com site: enrollment, costs, and coverage choices explained.

More on Medicare Guide
Medicare Coverage
October 26, 2026Extra Help With Medicare Drug Costs in 2027: Limits and How to ApplyExtra Help lowers Medicare drug costs for people with limited income and savings.Read More
Eligibility and Enrollment
October 26, 2026Medicare Savings Programs in 2027: Who Qualifies and How to ApplyState programs that help pay Medicare costs for people with limited income and savings.Read More
Two older adults reviewing Medicare plan options togetherMedicare Advantage
May 22, 2026Everything You Need to Know About Switching from Medicare Advantage to Original MedicareRead More
An older adult at a healthcare appointmentMedicare Coverage
April 22, 2026What to Know About Using Medicare with Secondary InsuranceRead More
A GLP-1 injection penHealth News and Analysis
July 21, 2026Medicare's GLP-1 Bridge Program: Everything You Need to KnowRead More
Two retirees enjoying a scenic viewHealth News and Analysis
May 15, 2026Which State Has the Best Healthcare for Retirees?Read More

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Medicare plans

We do not offer every plan available in your area. Currently we represent 7 organizations which offer 3,188 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Looking for a health insurance quote?

This is a solicitation for insurance. HealthCare.com is a non-government website operated by HealthCare.com Insurance Services, LLC, a licensed health insurance agency. Depending on your selections, we may present health and Medicare-related insurance products, including Affordable Care Act (ACA) plans, short-term medical insurance, indemnity and other supplemental insurance, dental and vision plans, and Medicare plans, as well as information about health savings accounts (HSAs). Qualified ACA plans must meet or exceed the essential health benefit requirements of the Affordable Care Act. Non-ACA plans, including short-term medical and indemnity plans, are not required to cover all essential health benefits, are not comprehensive health coverage, and are not available in all states. Pre-existing condition provisions, benefits, limitations, and exclusions vary by plan type and state. Review all plan details and product brochures before you buy.

Open Enrollment for 2027 ACA coverage on HealthCare.gov runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage starting January 1, 2027. Dates vary in states that run their own marketplace. To enroll in ACA coverage outside Open Enrollment, you must qualify for a Special Enrollment Period.

Eligibility for Affordable Care Act (ACA) premium tax credits and cost-sharing reductions is based on household income, household size, and plan availability in your area. The enhanced premium tax credits that were in effect from 2021 through 2025 expired on December 31, 2025. For plan year 2027, premium tax credits follow the standard rules under Internal Revenue Code §36B, which generally limit eligibility to households with income between 100% and 400% of the federal poverty level. Under these rules, eligible households are expected to contribute between 2.15% and 10.22% of household income toward the cost of a benchmark silver plan (IRS Rev. Proc. 2026-26). Premiums, plan availability, and subsidy amounts vary by income, household size, age, and location. Final eligibility and premium tax credit amounts are determined by the Health Insurance Marketplace. If your actual income differs from your estimate, you may have to repay some or all of any advance premium tax credit when you file your taxes. Federal legislation affecting premium tax credits may change these amounts.

*87% of Marketplace enrollees received a premium tax credit in 2026. Centers for Medicare & Medicaid Services, 2026. Health Insurance Exchanges 2026 Open Enrollment Report.

+Plan availability varies by location.

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