Find and compare health plans

Enter your ZIP code, age, tobacco use and family to see every ACA marketplace plan sold where you live, for the plan year you choose, with the estimated monthly premium for your household.

For information only. ChoiceArrangementDeck is not an insurance company, agent or licensed broker, and does not sell insurance. This is general information, not enrollment, a quote, or advice. Premiums are estimates before any subsidy; plan details and prices can differ. Confirm every plan, price, provider and drug with the insurer and enroll through HealthCare.gov or your state's exchange. HealthCare.gov Nothing you enter here is saved or stored. Your ZIP code and ages are used only to price plans for this page view.

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About this plan search

This free tool lists the individual and family health plans sold on the ACA marketplace for a ZIP code, with a monthly premium worked out for your household. It is for anyone shopping for coverage, and for employees and brokers looking at what an individual coverage HRA (ICHRA) allowance could buy.

What you can do

  • Pick a plan year and see that year's plans and prices only; years are never mixed.
  • Not sure of your ZIP code? Choose "Search by city", pick your state, type your city and choose from its ZIP codes.
  • Price a household of one, a couple, a parent with children, or a whole family, with tobacco use where the state allows it to be rated.
  • Filter by metal level, insurer, plan type, premium, deductible, out-of-pocket maximum, a doctor's name or your medications.
  • Catastrophic plans are always listed and labeled "Catastrophic: under 30 or hardship exemption", because only people under 30, or with a hardship or affordability exemption, can enrol in one.
  • Compare up to four plans side by side, and open any plan to see its filed copays, coinsurance and benefits.

Where the numbers come from

Plans, rates and benefits come from the CMS Exchange Public Use Files (HealthCare.gov states) and the CMS state-based exchange QHP files, as filed by each insurer. Premiums are estimates before any premium tax credit, computed from each plan's base rate and the state's age-rating curve. Doctor and drug coverage come from insurer network and formulary files; confirm anything you rely on with the insurer.

Your privacy

No sign-in is needed. Your ZIP code, ages and choices are used to price plans for that search and are not saved or stored.

Source: CMS Exchange Public Use Files (HealthCare.gov states) and CMS State-based Exchange QHP Public Use Files. ChoiceArrangementDeck is not an insurance company, agent or licensed broker, and does not sell insurance. This is general information, not enrollment, a quote, or advice. Premiums are estimates before any subsidy; plan details and prices can differ. Confirm every plan, price, provider and drug with the insurer and enroll through HealthCare.gov or your state's exchange.