See what health insurance really costs near you.
Marketplace (ACA) plans and private plans, side by side, priced for your household in about 30 seconds. Then see the deductibles, copays and networks behind the numbers, plan by plan.
- Marketplace prices come straight from the official HealthCare.gov plan data for 2026.
- No medical questions here, ever. No account to create.
- Your details go to one licensed advisor, never sold, never added to a call list.
Monthly price ranges
Marketplace plans
ACA · HealthCare.govEvery plan sold in your county, grouped by tier. Full price first; after your estimated tax credit second.
Private plans
Not ACA · UnderwrittenStarting monthly range per adult from private carrier rate tables. Health questions apply; your advisor confirms the exact price.
We do not collect your details in this case. Marketplace enrollment is free, and the tax credit is applied by the Marketplace itself.
The actual plans behind these numbers
Carrier names, deductibles, out-of-pocket maximums, doctor and specialist copays, and whether each plan is an HMO, PPO or EPO, plus your exact private quote. Tell us where to send them and they appear right here; one licensed advisor confirms the numbers.
Marketplace plans in your county
Your private plan quote
What happens next
The honest differences
| Marketplace (ACA) | Private plans | |
|---|---|---|
| Best fit | Anyone, especially households that qualify for a tax credit or have ongoing health conditions | Healthy households, the self-employed, and anyone above the tax-credit income limit |
| Pre-existing conditions | Always covered; no health questions | Health questions on the application; a condition can raise the price or be excluded |
| Tax credit | Yes, if household income is between 100% and 400% of the poverty level | No |
| When you can enroll | Open Enrollment (Nov 1 to mid-January in most states) or a qualifying life event | Any time of year |
| Doctors and hospitals | Mostly HMO and EPO networks tied to your area; some PPOs | Typically PPO-style networks that travel with you |
| Deductibles | Often $5,000 to $10,000 on the cheapest tiers, lower on Silver with a tax credit | Typically lower, chosen when you apply |
How it works
Enter your household
ZIP, ages, and (if you want a tax-credit estimate) your income. No health questions online, ever.
See both sides priced
Marketplace plans from the official 2026 plan data for your county, and private plans from carrier rate tables, on one scale.
See the plans and talk to one advisor
Plan-by-plan details appear, and one licensed advisor confirms the exact quote and enrolls you if you want.
Health insurance costs by state
Real 2026 prices for every state and the larger counties: cheapest Bronze, silver benchmark, tax-credit examples and the cheapest plans by name. Browse costs by state →
Questions people ask
Is this HealthCare.gov?
No. Browse Health Plans is an independent comparison site operated by Smart Health Match LLC. Marketplace plans and premium tax credits are also available directly at HealthCare.gov or your state's marketplace. We show you both sides so you can decide.
Where do the Marketplace prices come from?
From the official plan-year 2026 Qualified Health Plan landscape file published by CMS on data.healthcare.gov (snapshot August 4, 2026). Prices are age-rated the same way the marketplace does it. States that run their own marketplace are shown as a statewide estimate until you talk to an advisor.
Where do the private plan prices come from?
From the carrier rate tables our advisors quote from, by state, age and sex. Private plans are not ACA plans: they ask health questions, can decline or exclude conditions, and are usually the better deal for healthy households who do not qualify for a tax credit.
What is the tax credit, and why does income matter?
The Marketplace premium tax credit lowers your monthly premium when household income is between 100% and 400% of the federal poverty level. The larger credits that applied from 2021 through 2025 expired at the end of 2025, so the 400% limit is back for 2026. Enter your income and we estimate it for you.
Can you enroll me in a Marketplace plan too?
Yes. Our advisors write both Marketplace and private plans. One rule we follow: if a Marketplace plan would cost you under about $150 a month after your tax credit, we point you straight to HealthCare.gov (or your state marketplace) to enroll yourself. That is the best deal available, and nothing an advisor does would improve the price.
Can I keep my doctor?
Marketplace plans are mostly HMO and EPO networks tied to your area, with some PPOs. Private plans usually use PPO-style networks. Once your plan details appear, every Marketplace plan shows its network type and links to the official summary of benefits, and your advisor can check specific doctors.
Who contacts me after I ask for plan details?
One licensed health insurance advisor, by the channel you picked. Your information is never sold or shared with other agents. See the privacy policy and disclosures.