⌖
Your ZIP Code
Your ZIP code determines which Marketplace insurance companies and plans are available where you live. It also helps identify provider networks, local pricing, and county-specific plan options.
Health Insurance Marketplace Plans
Find Health Insurance
That Fits
Your Family and Budget
Start with a few household details, provide your contact permission, and then continue to compare available Marketplace plans and enroll securely.
Multiple plan optionsPotential financial assistanceLicensed advisor supportNo additional cost for help
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Compare Marketplace Plans →
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Marketplace Insurance Companies
What Determines Your Marketplace Price?
Marketplace pricing and potential financial assistance begin with four important pieces of household information.
👥
Tax Household Size
Your tax household usually includes everyone you claim on your federal income tax return. Household size is one of the primary factors used to determine eligibility for premium tax credits and other Marketplace savings.
$
Household Income
Your estimated household income for the coverage year is used to calculate potential premium tax credits and, for some households, additional cost-sharing reductions that can lower out-of-pocket expenses.
Age
Each Applicant’s Age
Marketplace premiums are calculated using the age of each person applying for coverage. Entering every applicant’s age helps provide the most accurate estimate of available plans and monthly premiums.
Compare Marketplace Plan Levels
Plan categories describe how costs are generally shared between you and the insurance company. They do not indicate the quality of medical care.
Bronze
Often offers a lower monthly premium with higher costs when you receive care.
- Lower monthly premium
- Higher deductible potential
- May fit people expecting limited care
Silver
Balances monthly premium and out-of-pocket costs and may provide additional savings for eligible households.
- Balanced monthly cost
- Only level eligible for certain cost-sharing reductions
- Often worth comparing carefully
Gold
Often has a higher monthly premium but lower costs when you use covered medical services.
- Higher monthly premium
- Lower cost-sharing potential
- May fit people expecting regular care
Coverage Designed for Real Healthcare Needs
Marketplace plans cover a broad set of essential health benefits, subject to the plan’s network, formulary, deductible, copayments, coinsurance, and other terms.
Primary care visits
Specialist care
Hospital services
Emergency care
Prescription drugs
Preventive services
Mental health care
Maternity care
Pediatric services
Laboratory services
Income Reference
Need Help Estimating Marketplace Eligibility?
Clients and agents can use the 2026 FFM income chart as a general reference before beginning the application.
How It Works
Getting Marketplace coverage is easy.
1
Complete Your Quote
Submit your information and consent.
2
Compare Plans
Review available Marketplace options.
3
Review Savings
See potential financial assistance.
4
Enroll Online
Complete your application securely.
Need Help Choosing a Marketplace Plan?
Speak with a licensed Accurate Health Plans advisor before or during your enrollment.
Income Reference
Need Help Estimating Marketplace Eligibility?
Clients and agents can use the 2026 and 2027 FFM income charts as a general reference before beginning the application.
Important Marketplace Income Information
Your Final Income Can Change Your Marketplace Subsidy
Marketplace financial assistance is based on your estimated annual household income. If your final income is higher than expected, you may have to repay some — or potentially all — of the premium tax credit you received.
If You Underestimate Your Income
Your estimated household income is used to calculate your Advance Premium Tax Credit (APTC).
If your actual income ends up higher than your original estimate, you may have received more financial assistance than you were ultimately eligible to receive.
When you file your federal tax return, the amount of premium tax credit you received is reconciled using your Marketplace Form 1095-A and IRS Form 8962.
If too much APTC was paid on your behalf, you may have to repay the excess amount.
Beginning with the 2026 tax year, previous repayment caps are no longer available under current law, so the full excess subsidy may have to be repaid.
If Your Income Goes Above 400% FPL
Beginning with 2026 Marketplace coverage, the temporary enhanced subsidy provisions that allowed some households above 400% of the Federal Poverty Level to qualify for premium assistance have expired under current law.
This means the traditional 400% Federal Poverty Level subsidy cliff has returned.
If your final household income exceeds the applicable 400% FPL threshold, you may no longer qualify for a Premium Tax Credit.
If Advance Premium Tax Credits were paid during the year, you could potentially be required to repay the entire amount when you file your federal income tax return.
See How Close the 2026 Subsidy Cliff Can Be
Example for a one-person household in the 48 contiguous states and Washington, D.C.
$62,600
400% of Federal Poverty Level
→
$62,601+
Potentially Above the Subsidy Limit
A relatively small increase in annual income can potentially create a
significant change in Premium Tax Credit eligibility
when your household income is close to the 400% FPL threshold.
Report Income Changes During the Year
If your income changes, update your Marketplace application as soon as possible. Adjusting your projected income can change the amount of APTC being applied to your monthly premium and may help reduce the possibility of a large tax repayment.
This information is provided as a general Marketplace reference and is not tax advice. Premium Tax Credit eligibility depends on household income, household composition, tax filing status, access to other qualifying coverage, and other applicable federal rules. Consult a qualified tax professional regarding your individual tax situation.
Important 2027 Marketplace Income Information
Your Final Income Can Change Your 2027 Marketplace Subsidy
Marketplace financial assistance is based on your estimated annual household income. If your final income is higher than expected, you may have to repay some — or potentially all — of the premium tax credit you received.
If You Underestimate Your Income
Your estimated household income is used to calculate your Advance Premium Tax Credit (APTC).
If your actual income ends up higher than your original estimate, you may have received more financial assistance than you were ultimately eligible to receive.
When you file your federal tax return, the amount of premium tax credit you received is reconciled using your Marketplace Form 1095-A and IRS Form 8962.
If too much APTC was paid on your behalf, you may have to repay the excess amount.
Under current law, previous repayment caps are no longer available for tax years after 2025, so the full excess Advance Premium Tax Credit may have to be repaid.
If Your Income Goes Above 400% FPL
Under current law, Premium Tax Credit eligibility for 2027 Marketplace coverage generally ends when household income exceeds 400% of the applicable Federal Poverty Level.
This is commonly referred to as the 400% Federal Poverty Level subsidy cliff.
If your final household income exceeds the applicable 400% FPL threshold, you may no longer qualify for a Premium Tax Credit.
If Advance Premium Tax Credits were paid during the year, you could potentially be required to repay the entire amount when you file your federal income tax return.
See How Close the 2027 Subsidy Cliff Can Be
Example for a one-person household in the 48 contiguous states and Washington, D.C.
$63,840
400% of Federal Poverty Level
→
$63,841+
Potentially Above the Subsidy Limit
A relatively small increase in annual income can potentially create a
significant change in Premium Tax Credit eligibility
when your household income is close to the 400% FPL threshold.
2027 Marketplace 400% FPL Income Thresholds
Based on the 2026 Federal Poverty Guidelines for the 48 contiguous states and Washington, D.C.
| Household Size | 2027 — 400% FPL |
|---|---|
| 1 | $63,840 |
| 2 | $86,560 |
| 3 | $109,280 |
| 4 | $132,000 |
| 5 | $154,720 |
| 6 | $177,440 |
| 7 | $200,160 |
| 8 | $222,880 |
For households larger than 8, add $5,680 to the 100% FPL amount for each additional household member before calculating 400% FPL. Alaska and Hawaii have different Federal Poverty Guidelines.
Report Income Changes During the Year
If your income changes, update your Marketplace application as soon as possible. Adjusting your projected income can change the amount of APTC being applied to your monthly premium and may help reduce the possibility of a large tax repayment.
This information is provided as a general Marketplace reference and is not tax advice. Premium Tax Credit eligibility depends on household income, household composition, tax filing status, access to other qualifying coverage, and other applicable federal rules. Federal law may change before or during the 2027 coverage year. Consult a qualified tax professional regarding your individual tax situation.
Frequently Asked Questions
Understand the basics before you continue to compare plans.
Can a pre-existing condition prevent me from getting coverage?
Marketplace plans generally cannot deny coverage or charge you more because of a pre-existing health condition.
Does everyone in my tax household have to apply?
No. Household size and the number of people applying are separate questions. Some tax-household members may have other coverage and may not need to enroll.
Can I enroll outside Open Enrollment?
You may be eligible for a Special Enrollment Period after certain qualifying life events. Eligibility depends on the event, timing, and applicable Marketplace rules.
How do I know whether my doctor is included?
Provider networks vary by plan. Always verify your doctors, facilities, and prescriptions directly with the plan before enrolling.
Does completing this form enroll me?
No. This form gathers your information and contact permission. You must continue to the enrollment platform, complete the application, select a plan, and submit the enrollment.
Need Help Choosing a Marketplace Plan?
Speak with a licensed Accurate Health Plans advisor before or during your enrollment.
Call 800-235-0876Health Insurance Marketplace Plans
Find Health Insurance
That Fits
Your Family and Budget
Start with a few household details, provide your contact permission, and then continue to compare available Marketplace plans and enroll securely.
Multiple plan options
Potential financial assistance
Licensed advisor support
No additional cost for help
1Start
2Compare
3Enroll
Compare Marketplace Plans →
Get Your Marketplace Quote
Tell us a little about yourself to compare Marketplace plans.
What Determines Your Marketplace Price?
Marketplace pricing and potential financial assistance begin with four important pieces of household information.
⌖
Your ZIP Code
Your ZIP code determines which Marketplace insurance companies and plans are available where you live. It also helps identify provider networks, local pricing, and county-specific plan options.
👥
Tax Household Size
Your tax household usually includes everyone you claim on your federal income tax return. Household size is one of the primary factors used to determine eligibility for premium tax credits and other Marketplace savings.
$
Household Income
Your estimated household income for the coverage year is used to calculate potential premium tax credits and, for some households, additional cost-sharing reductions that can lower out-of-pocket expenses.
Age
Each Applicant’s Age
Marketplace premiums are calculated using the age of each person applying for coverage. Entering every applicant’s age helps provide the most accurate estimate of available plans and monthly premiums.
Compare Marketplace Plan Levels
Plan categories describe how costs are generally shared between you and the insurance company. They do not indicate the quality of medical care.
Bronze
Often offers a lower monthly premium with higher costs when you receive care.
- Lower monthly premium
- Higher deductible potential
- May fit people expecting limited care
Silver
Balances monthly premium and out-of-pocket costs and may provide additional savings for eligible households.
- Balanced monthly cost
- Only level eligible for certain cost-sharing reductions
- Often worth comparing carefully
Gold
Often has a higher monthly premium but lower costs when you use covered medical services.
- Higher monthly premium
- Lower cost-sharing potential
- May fit people expecting regular care
Coverage Designed for Real Healthcare Needs
Marketplace plans cover a broad set of essential health benefits, subject to the plan’s network, formulary, deductible, copayments, coinsurance, and other terms.
Primary care visits
Specialist care
Hospital services
Emergency care
Prescription drugs
Preventive services
Mental health care
Maternity care
Pediatric services
Laboratory services
Small Family or Advisor Image Placeholder
Income Reference
Need Help Estimating Marketplace Eligibility?
Clients and agents can use the 2026 FFM income chart as a general reference before beginning the application.
Frequently Asked Questions
Understand the basics before you continue to compare plans.
Can a pre-existing condition prevent me from getting coverage?
Marketplace plans generally cannot deny coverage or charge you more because of a pre-existing health condition.
Does everyone in my tax household have to apply?
No. Household size and the number of people applying are separate questions. Some tax-household members may have other coverage and may not need to enroll.
Can I enroll outside Open Enrollment?
You may be eligible for a Special Enrollment Period after certain qualifying life events. Eligibility depends on the event, timing, and applicable Marketplace rules.
How do I know whether my doctor is included?
Provider networks vary by plan. Always verify your doctors, facilities, and prescriptions directly with the plan before enrolling.
Does completing this form enroll me?
No. This form gathers your information and contact permission. You must continue to the enrollment platform, complete the application, select a plan, and submit the enrollment.
How It Works
Getting Marketplace coverage is easy.
1
Complete Your Quote
Submit your information and consent.
2
Compare Plans
Review available Marketplace options.
3
Review Savings
See potential financial assistance.
4
Enroll Online
Complete your application securely.
Need Help Choosing a Marketplace Plan?
Speak with a licensed Accurate Health Plans advisor before or during your enrollment.