Find Coverage by State

Insurance plans and availability vary by state. All plans in the Health Insurance Marketplace must conform to Affordable Care Act standards, but your choice in plans, how much you’ll pay, and how you sign up depends on where you live.

Find the most affordable health insurance options available where you live with our state health insurance resources.

Find Your State

CT DE HI MD MA NH NJ RI VT DC

Plan choice

Your choice in health insurance plans on the marketplace depends on which insurers participate in your area. In 2021, just 46% of U.S. counties had three or more insurers to choose from, according to the Kaiser Family Foundation’s report on insurer participation on the ACA marketplaces.

State and federal marketplaces

Where you sign up for insurance depends on your state, too. Some states run state health insurance marketplace websites, while others use the federal Healthcare.gov marketplace for enrollment.

  • State-based Marketplace (SBM): The state is responsible for running the functions of the marketplace, and you’ll apply and enroll on a state marketplace website.
  • Federally-facilitated Marketplace (FFM): The U.S. Department of Health and Human Services runs the marketplace functions, and you’ll apply for and enroll in coverage through Healthcare.gov.
  • State-based Marketplace-Federal Platform (SBM-FP): These states are responsible for the marketplace functions, but you’ll apply and enroll on Healthcare.gov.
State-based Marketplace Federally-facilitated Marketplace State-based Marketplace-Federal Platform
CA, CO, CT, DC, ID, KY, MA, MD, ME, MN, NM, NV, NJ, NY, PA, RI, VT, WA AL, AK, AZ, DE, FL, GA, HI, IA, IL, IN, KS, LA, MI, MO, MS, MT, NE, NH, NC, ND, OH, OK, SC, SD, TN, TX, UT, WV, WI, WY AR, OR, VA

Premiums

Your monthly premium will vary based on where you live. The U.S. marketplace average benchmark premium is $438 per month in 2022, but that figure varies by state. Residents of Wyoming can expect to pay the highest premiums at an average benchmark premium of $762, while New Hampshire’s is less than half that at $309.

Compare your options for affordable health insurance.