How it works
ACA marketplace basics before you apply
The marketplace helps eligible residents compare individual and family health plans, estimate savings, and enroll in coverage.
Start with your state
Your state determines whether you enroll through HealthCare.gov or a state-run marketplace. That is why My State Exchange starts with your resident state.
Estimate total cost, not just premium
Monthly premium matters, but deductible, out-of-pocket maximum, copays, network access, and prescription coverage can change the real yearly cost.
Ask about supplemental benefits
Dental, vision, accident, hospital indemnity, and critical illness products can be separate from ACA medical plans. They are not a replacement for major medical coverage, but they may be worth discussing when reviewing household risk and budget.
Ask before you lock it in
Plan names and networks can look similar. Talking through your situation first can help you avoid common comparison mistakes.
Get human help
Want help understanding your state marketplace options?
Talk through deadlines, subsidy questions, plan categories, and next steps before you apply.