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How it works

Compare Plans From Trusted Providers – It Only Takes A Few Minutes

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Compare plans for top insurers

Choosing the right insurance plan can feel overwhelming, especially with so many options from top-rated providers. To make your decision easier, we’ve compared key features across leading insurers, focusing on coverage, pricing, customer service, and unique benefits.

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Subsidies Aviailable (for ACA)

You may qualify for financial assistance to lower the cost of your ACA health plan. These subsidies include premium tax credits that reduce your monthly payment and cost-sharing reductions that lower deductibles and copays if you choose a Silver plan. Eligibility is based on your household income, family size, and Marketplace enrollment.

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100% free - no obligation

Get clear, reliable health insurance guidance at no cost. You can review plan options, savings, and benefits with zero pressure — no fees, no commitment, ever.

Frequently asked questions

What are the eligibility requirements?

Most people in the U.S. are eligible to enroll in health insurance if they meet basic criteria such as being a U.S. citizen or lawful resident. Eligibility may vary depending on the type of plan, but generally includes:

  • Living in the state where the plan is offered
  • Applying during the Open Enrollment Period (or qualifying for Special Enrollment through a life event such as losing coverage, moving, marriage, or having a child)
  • Providing accurate income information if applying through the Marketplace for subsidies

Employer-provided plans may have their own internal eligibility rules based on employment status and hours worked.

Under U.S. federal law (the Affordable Care Act), health insurers cannot deny coverage or charge higher premiums based on pre-existing conditions. This includes chronic illnesses, past surgeries, mental-health conditions, pregnancy, and more.

All major medical plans must cover essential health benefits, and they cannot exclude treatment related to a pre-existing condition once your coverage begins.

Short-term or non-ACA-compliant plans may have different rules, including exclusions — but standard marketplace and employer plans must cover them.

To qualify for federal subsidies (Premium Tax Credits) on Marketplace plans:

  • You must apply through HealthCare.gov or your state Marketplace
  • Your household income must typically fall between 100%–400% of the Federal Poverty Level (in some states subsidies extend even higher)
  • You cannot be eligible for affordable employer-sponsored coverage
  • You must file a federal tax return for the year you receive the subsidy
  • You must live in the U.S. and be a citizen or lawfully present immigrant

Lower-income individuals may also qualify for Cost-Sharing Reductions (CSR), which lower deductibles and out-of-pocket costs, but only on Silver-tier plans.