Find Health Insurance Plans & Subsidies in 3 Steps. No Broker.

Yes. Policymage is completely free. We display available plans based on your input and never charge for access.

No. We do not recommend, rank, or suggest any specific plan. Plans are displayed based on your input criteria only. Policymage is not a licensed insurance broker or agent.

Plan data is sourced directly from official federal and state ACA marketplaces. Data is refreshed daily.

We do not sell your personal data. ZIP code, age, and income information you enter is used only to fetch and display relevant plans. Full household details are stored only in your browser's session storage and never sent to our servers in identifiable form.

Policymage is a comparison tool only. To enroll, you will be directed to the official HealthCare.gov marketplace or your state's exchange website. We do not process enrollments.

ACA open enrollment runs from November 1 through January 15 each year. Outside this window, you can only enroll if you have a qualifying life event (job loss, marriage, birth of a child, move) that triggers a Special Enrollment Period (SEP).

If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you likely qualify for an Advance Premium Tax Credit (APTC) that directly reduces your monthly premium. Some households qualify for $0/month Bronze plans. Enter your income in the compare tool to see your estimated subsidy.

Health insurance plans are categorized by metal tier based on how costs are split between you and the insurer. Bronze plans cover about 60% of costs (lowest premium, highest cost-sharing). Silver covers 70%, Gold 80%, and Platinum 90% (highest premium, lowest cost-sharing). Silver plans are also the only tier eligible for Cost-Sharing Reductions (CSR) if your income qualifies.

An HMO (Health Maintenance Organization) requires you to choose a primary care doctor and get referrals to see specialists. Coverage is limited to in-network providers. A PPO (Preferred Provider Organization) allows you to see any doctor without a referral, though costs are lower in-network. HMOs typically have lower premiums; PPOs offer more flexibility.

Yes. Policymage covers all 50 US states and Washington DC. States that use HealthCare.gov (like Texas, Florida, and Ohio) are served via the federal marketplace. States with their own exchanges (like California's Covered California, New York's NY State of Health, and Washington's Healthplanfinder) are served via state-based marketplaces.

An HSA-eligible plan is a High-Deductible Health Plan (HDHP) that qualifies you to open a Health Savings Account (HSA). HSAs let you save pre-tax dollars to pay for qualified medical expenses, reducing your taxable income. In 2026, you can contribute up to $4,400 (individual) or $8,750 (family) to an HSA.

Premiums shown on state overview pages are benchmark estimates for a 30-year-old non-smoker without subsidies, sourced directly from federal marketplace data. When you use the personalized compare tool with your actual age, household size, and income, the premiums shown reflect your specific situation including any APTC subsidy reduction.