Compare ACA Marketplace Health Plans & See Your Savings

The ACA Marketplace, often called Obamacare, is where individuals and families buy health insurance that isn't through a job. Every Marketplace plan covers essential health benefits such as doctor visits, prescriptions, hospital care and preventive care, and no plan can turn you down or charge more for a pre-existing condition.

Households with income from 100% to 400% of the federal poverty level can qualify for a premium tax credit under current law. For 2027, the IRS caps the expected contribution for a benchmark silver plan at between 2.15% and 10.22% of household income, depending on income.

Cost-sharing reductions are lower deductibles, copays and out-of-pocket limits that come with silver plans for households from 100% to 250% of the federal poverty level. They apply only to silver plans bought through the Marketplace.

It estimates what you'd pay in a typical year, premiums plus the care you expect to use, and what you'd pay in a bad year. Then it weighs that against how much you could cover if something unexpected happened. The plan with the best balance for your answers comes first, with other good options below it.

Yes. After your results, add your medicines and doctors and each plan shows whether they're covered or in network. Prescription coverage comes from each insurer's published drug list and doctor networks come from insurer directories. Directories can be out of date, so a broker confirms before you enroll.

The plan finder shows a range, not a quote. Your exact savings depend on your final income, household and the plans in your area. A licensed broker confirms the real price before you enroll.

No. There's no fee for a licensed broker's help choosing and enrolling in a Marketplace plan, and the price of the plan is the same as enrolling on your own.

No. Thrive Benefits Group is a licensed insurance agency. We're not affiliated with HealthCare.gov, any state exchange, or any government agency.