Where to Shop for Health Insurance by State

Find Your Obamacare Health Insurance Public Marketplace
Sarah Sullivan
2018-11-13 November 9th, 2018 |
Read time: 5 minutes
insurance paperwork

The public health insurance marketplace (also referred to as an “exchange”) is where you can purchase subsidy-eligible ACA-qualifying major medical insurance.

Some states administer their own health insurance exchange while others utilize the federal marketplace, Healthcare.gov.

Did you know?
When Obamacare (also referred to as the ACA) was first enacted in 2010 all states were directed to create exchanges. Initially, 17 states did so while 27 states joined a federal lawsuit that attempted to overturn the ACA. Other states refused to create marketplaces because of the additional cost and administrative burden.1 Today, just 12 states operate their own state level public marketplace.

Find your state marketplace now. (Jump to the list.)

Learn More: Should you buy from the health insurance marketplace or outside it?

Do you need health insurance in 2019 and beyond?

Major medical insurance is no longer mandatory due to the Trump Administration’s repeal of the ACA tax penalty beginning January 1, 2019.

However, that doesn’t mean it’s a good idea to go without major medical insurance. Major medical is still the only insurance that covers the 10 essential health benefits and is guaranteed issue despite pre-existing conditions.

Additionally, if you qualify for a subsidy, you could get help paying for your ACA plan as long as you buy a silver health plan from a public marketplace.

In 2018, 83% of the 11.8 million ACA health plan enrollees qualified for a subsidy2 to help pay for their insurance coverage.

Use the Obamacare Calculator to see if you could qualify for a subsidy.

Don’t qualify for a subsidy + can’t afford ACA premiums?

By most measures, ACA plans are expensive if you don’t qualify for a subsidy. In 2018, the average monthly premium without a subsidy was $621.3 That’s 30% more than 2017’s average of $476 per month.4

If you want to consider alternative health insurance like short-term medical, hospital indemnity insurance, or alternative health insurance bundles, these options will typically have lower monthly premiums because they have less coverage and are less comprehensive than major medical plans.

These plans are not ACA-qualifying health plans and don’t typically cover things like preventive care, prescriptions or pre-existing conditions.

Learn more about short-term health insurance or get a short-term medical quote today to compare different plans (it only takes a minute).

Learn more about how to buy health insurance on your own.

High-deductible ACA plans + medical gap insurance

The average major medical deductible in 2017 was $4,328.5 Your health insurance deductible is the money you have to pay out of pocket before your insurance plan will begin to pay a portion of the costs associated with covered medical expenses.

Whether you’re paying fully out of pocket for your ACA plan or qualify for a subsidy, supplemental gap health insurance can help with high-deductible health plans by providing a fixed, lump sum benefit payment that can be used to cover any out-of-pocket costs, including your major medical deductible.

Learn more about gap health insurance or get a gap health insurance quote today to compare different plans.

Find your state’s ACA insurance marketplace

Alabama

To access ACA health plans (Obamacare) in Alabama, visit the federal health insurance marketplace.

Alaska

To access ACA health plans (Obamacare) in Alaska, visit the federal health insurance marketplace.

Arizona

To access ACA health plans (Obamacare) in Arizona, visit the federal health insurance marketplace.

Arkansas

To access ACA health plans (Obamacare) in Arkansas, visit the federal health insurance marketplace.

California

To access ACA health plans (Obamacare) in California, visit the state-based health insurance exchange, Covered California.

Colorado

To access ACA health plans (Obamacare) in Colorado, visit the state-based health insurance exchange, Connect for Health Colorado.

Connecticut

To access ACA health plans (Obamacare) in Connecticut, visit the state-based health insurance exchange, Access Health CT.

Delaware

To access ACA health plans (Obamacare) in Delaware, visit the federal health insurance marketplace.

District of Columbia (DC)

To access ACA health plans (Obamacare) in DC, visit the state-based health insurance exchange, DC Health Link.

Florida

To access ACA health plans (Obamacare) in Florida, visit the federal health insurance marketplace.

Georgia

To access ACA health plans (Obamacare) in Georgia, visit the federal health insurance marketplace.

Hawaii

To access ACA health plans (Obamacare) in Hawaii, visit the federal health insurance marketplace.

Idaho

To access ACA health plans (Obamacare) in Idaho, visit the state-based health insurance exchange, Your Health Idaho.

Illinois

To access ACA health plans (Obamacare) in Illinois, visit the federal health insurance marketplace.

Indiana

To access ACA health plans (Obamacare) in Indiana, visit the federal health insurance marketplace.

Iowa

To access ACA health plans (Obamacare) in Iowa, visit the federal health insurance marketplace.

Kansas

To access ACA health plans (Obamacare) in Kansas, visit the federal health insurance marketplace.

Kentucky

To access ACA health plans (Obamacare) in Kentucky, visit the federal health insurance marketplace.

Louisiana

To access ACA health plans (Obamacare) in Louisiana, visit the federal health insurance marketplace.

Maine

To access ACA health plans (Obamacare) in Maine, visit the federal health insurance marketplace.

Maryland

To access ACA health plans (Obamacare) in Maryland, visit the state-based health insurance exchange, Maryland Health Connection.

Massachusetts

To access ACA health plans (Obamacare) in Massachusetts, visit the state-based health insurance exchange, Massachusetts Health Connector.

Michigan

To access ACA health plans (Obamacare) in Michigan, visit the federal health insurance marketplace.

Minnesota

To access ACA health plans (Obamacare) in Minnesota, visit the state-based health insurance exchange, MNSURE.

Mississippi

To access ACA health plans (Obamacare) in Mississippi, visit the federal health insurance marketplace.

Missouri

To access ACA health plans (Obamacare) in Missouri, visit the federal health insurance marketplace.

Montana

To access ACA health plans (Obamacare) in Montana, visit the federal health insurance marketplace.

Nebraska

To access ACA health plans (Obamacare) in Nebraska, visit the federal health insurance marketplace.

Nevada

To access ACA health plans (Obamacare) in Nevada, visit the federal health insurance marketplace.

New Hampshire

To access ACA health plans (Obamacare) in New Hampshire, visit the federal health insurance marketplace.

New Jersey

To access ACA health plans (Obamacare) in New Jersey, visit the federal health insurance marketplace.

New Mexico

To access ACA health plans (Obamacare) in New Mexico, visit the federal health insurance marketplace.

New York

To access ACA health plans (Obamacare) in New York, visit the state-based health insurance exchange, New York State of Health.

North Carolina

To access ACA health plans (Obamacare) in North Carolina, visit the federal health insurance marketplace.

North Dakota

To access ACA health plans (Obamacare) in North Dakota, visit the federal health insurance marketplace.

Ohio

To access ACA health plans (Obamacare) in Ohio, visit the federal health insurance marketplace.

Oklahoma

To access ACA health plans (Obamacare) in Oklahoma, visit the federal health insurance marketplace.

Oregon

To access ACA health plans (Obamacare) in Oregon, visit the federal health insurance marketplace.

Pennsylvania

To access ACA health plans (Obamacare) in Pennsylvania, visit the federal health insurance marketplace.

Rhode Island

To access ACA health plans (Obamacare) in Rhode Island, visit the state-based health insurance exchange, HealthSource RI.

South Carolina

To access ACA health plans (Obamacare) in South Carolina, visit the federal health insurance marketplace.

South Dakota

To access ACA health plans (Obamacare) in South Dakota, visit the federal health insurance marketplace.

Tennessee

To access ACA health plans (Obamacare) in Tennessee, visit the federal health insurance marketplace.

Texas

To access ACA health plans (Obamacare) in Texas, visit the federal health insurance marketplace.

Utah

To access ACA health plans (Obamacare) in Utah, visit the federal health insurance marketplace.

Vermont

To access ACA health plans (Obamacare) in Vermont, visit the state-based health insurance exchange, Vermont Health Connect.

Virginia

To access ACA health plans (Obamacare) in Virginia, visit the federal health insurance marketplace.

Washington

To access ACA health plans (Obamacare) in Washington, visit the state-based health insurance exchange, Washington HealthPlanFinder.

West Virginia

To access ACA health plans (Obamacare) in West Virginia, visit the federal health insurance marketplace.

Wisconsin

To access ACA health plans (Obamacare) in Wisconsin, visit the federal health insurance marketplace.

Wyoming

To access ACA health plans (Obamacare) in Wyoming, visit the federal health insurance marketplace.

Summary + Next Steps

Shopping for and buying the best health insurance for you can be confusing. It’s important to consider both cost and coverage in your decision.

Find a local agent near you to answer questions and help guide your decision making, or call to speak with a licensed agent: 888-855-6837.

2019 Health Insurance Open Enrollment:
Nov 1 - Dec 15

Blog

What's New for the ACA + Open Enrollment this Year?

Get the latest news and updates.

Go to the ACA Blog
tool

Do You Qualify For A Subsidy?

Use the Obamacare Calculator to find out.

Calculate Subsidy

Is Obamacare Mandatory in 2019?

The tax penalty is repealed beginning Jan. 1, 2019. That means you can explore alternative health insurance options without paying the individual mandate tax.

Obamacare Alternatives
FAQ

Got questions about the ACA (also known as Obamacare)? Get the answers here! 

Obamacare FAQ

Individual Health Insurance in Your State

When it comes to enrolling in Obamacare, or any individual health insurance plan like short-term medical or dental insurance, you'll have to validate the costs and options available in your state. 

Begin Coverage in 3 Easy Steps!

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Step 1: Get a quote within seconds
Step 2: Compare multiple plans
Step 3: Finish application online
Originally Published On September 30th, 2013

Footnotes