States


 

State Health Insurance Marketplaces

How to get Obamacare coverage in your state.

 

Below is an index of exchange information for each state. There, you can find out more about where to apply in person, contact information and other resources for assistance.

 

Contact an East Coast Health Insurance agent about enrollment, rates, subsidies or eligibility at 888 803 5917.

 

Alabama

Federally-Run

Alabama’s Marketplace is operated by the HHS. Local Alabama insurers offer health plans with the same set of benefits and coverage levels at competitive prices. You decide which insurer you want to cover you and your family based on their provider network, premium rates and doctor selection. Further research the companies you have to choose from on the exchange, who will also continue selling private plans, before you buy Alabama Health Insurance.

 

Alaska

Federally-Run

Alaska has defaulted to a federally-operated exchange, and you’ll find resources on the government health care site. Health insurance companies in Alaska will offer each of the four tiers of coverage, competing in an open market through this federally-run Marketplace. Through this site, you can discover which insurers are participating, how much their plans cost and what tax credits you may qualify for.

 

Arizona

Federally-Run

Arizona is another federally-run Marketplace, with tools and health plans available for purchase through HealthCare.gov. Various private health insurers in Arizona offer their established networks of doctors and hospitals in plans than follow the rules of the exchange. Not only will you be accepted for coverage by any of these companies, you also have access to maternity and mental health benefits that the private market may not include. Find out more about the marketplace and Arizona Health Insurance prior to enrollment for a full understanding of your options.

 

Arkansas

Federally-Run

The Marketplace in Arkansas is operated by the federal government, and plans are sold on the official health care resource for consumers. Arkansas is served by a small handful of insurers, some of which will compete for your business on the exchange, selling the four plan types: bronze through platinum. Essential health benefits are included with each of these plans.

 

California

State-Run

The California Health Benefit Exchange, or Covered California, is a Marketplace run by the state with a quasi-governmental structure, meaning they established the exchange as an independent public agency. They operate under the active purchaser model, where they are able to negotiate premium rates with insurers and/or choose the health plans they want to work with. California has used this to benefit consumers by only allowing health plans who were willing to drop their premiums to participate. Depending on your city and county, different California health insurance companies will offer Covered California plans.

 

 

Colorado

State-Run

Colorado‘s health insurance exchange, Connect for Health Colorado, is an independent public agency like California’s, but works as a clearinghouse, in which the state chooses to contract with all qualified health insurance plans. The Marketplace is streamlined into one website where all Colorado health insurers compete for your business by offering the same bronze, silver, gold and platinum plans at different prices. Before you purchase a plan on the exchange, research each of the major private health plans in Colorado to get a feel for the networks and providers you will have to work with.

 

Connecticut

State-Run

The health insurance marketplace in Connecticut offers coverage to small businesses and individuals throughout the state with cost reductions on benefits and premiums for those who qualify. Connecticut’s exchange is set up so that all insurers in the state can offer health plans with essential health benefits within the four-tier product assortment, competing for policyholders and offering fair rates. With the exception of Aetna, many of Connecticut’s large insurers participate in Connecticut’s Marketplace. The state runs its own Marketplace, allowing for a more personalized shopping experience.

 

Delaware

State-Federal Partnership

Delaware opted for a partnership with the federal government to operate their exchange. Consumers can shop and apply for discounts on HealthCare.gov, and more information is also available through the Delaware Health Care Commission. Delaware health insurance companies sell plans on the exchange under the direction of the Department of Health and Human Services, while the state manages plans and helps out on the consumer end.

 

District of Columbia

State-Run

The District of Columbia created its own exchange to operate on the state level. Their method is quasi-governmental, offering health insurance plans from all DC insurance companies as a clearinghouse, where the Marketplace contracts with all qualified health plans. DC Health Link provides consumers with information about their policy selection, cost reduction options and the ability to qualify for Medicaid, if needed.

 

Florida

Federally-Run

Florida‘s Health Insurance Marketplace is federally-run, completed organized by the HHS. In this system, the Florida consumer has the option of choosing from any participating Florida health plan who meets exchange criteria. Plans are available for purchase through healthcare.gov and community health centers throughout the state are staffed with people who can help you apply.

 

Georgia

Federally-Run

Health insurance coverage for individuals and small groups in Georgia is offered through an HHS-run Marketplace. Georgia residents can choose from any of the four coverage levels with plans from trusted private insurers. Companies participating on the exchange may include any of the Georgia insurers we sell privately, so take a look at the company details to help you make the best decision.

 

Hawaii

State-Run

The Marketplace for coverage in Hawaii is operated by the state as a non-profit entity, allowing all residents access to insurance through qualified health plans. Each of the ten essential health benefit categories is covered by insurers selling plans through Hawai’i Health Connector in a competitive open market. This means you get to choose a comprehensive policy from your state’s best insurers.

 

Idaho

State-Run

Idaho created a state-based exchange in which all health plans offering the right benefits and prices are able to compete for business. From bronze to platinum plans, Idaho insurers participating in Your Health Idaho provide the same robust set of services to keep you healthy. The organization’s site is very user-friendly and includes all the information you need to enroll, apply for tax credits and subsidies and compare rates across health plans.

 

Illinois

State-Federal Partnership

The Illinois Health Insurance Exchange is a partnership between state and federal governments, dividing responsibilities between the two. For consumers, this means the HHS facilitates your health insurance plans and the companies who offer it, and the state provides you with educational resources and manages other aspects of the program, such as rates and benefits. All Illinois health plans will include the ten essential health benefit categories so you have access to a wide variety of services.

 

Indiana

Federally-Run

Indiana‘s health insurance exchange is run entirely by the HHS. With the federal government operating this exchange, the largest consumer resource for plan details, information on price reductions and tools to compare insurers is HealthCare.gov. Local health centers throughout the state will also be staffed with navigators to help you find the right plan and use the website. If you qualify for Medicaid, you will also be able to use the Marketplace to apply for coverage. Many Indiana health insurance companies will participate on the exchange to provide affordable, comprehensive coverage.

 

Iowa

State-Federal Partnership

Working in partnership with the federal government, Iowa‘s health insurance exchange will offer a broad range of services covered in every qualified health plan under health reform. Iowa insurers provide the coverage, the state manages the plans. Beginning in 2015, the Marketplace is to be completely state-based. Iowa health insurance companies that offer plans on the exchange may include any of the major health insurers serving the state. You can research plans, rates and further information on HealthCare.gov until the state established its own exchange.

 

Kansas

Federally-Run

Kansas has defaulted to a federal exchange, allowing the HHS to operate their entire marketplace. Residents in need of coverage can visit HealthCare.gov to search for plans, compare prices between insurers and find out if they qualify for a discount. Private health insurance companies sell plans that include a variety of deductible choices and coverage options from 60 to 90 percent after deductible. Getting to know the provider networks and Kansas health plans you have to choose from in advance is the smartest way to shop, whether you opt for the exchange or a private plan.

 

Kentucky Kynect

State-Run

Kentucky‘s health insurance exchange, Kynect, is run by the state. The major Kentucky insurers, and some smaller ones, offer subsidized coverage to numerous residents on one of the nation’s most successful marketplace examples. Your health plan options include a strong selection of benefits in varying premium, deductible and cost-sharing levels. You can visit the Kynect website or call a licensed agent at 888 803 5917 to apply and find out more about marketplace coverage, including your subsidy eligibility.

 

Louisiana

Federally-Run

The health insurance marketplace in Louisiana is operated by federal agencies. The Department of Health and Human Services provides the plan management and benefit selection, with access to policies, discounts and competing health insurance companies through the HealthCare.gov site. Review the Louisiana insurance companies offering coverage on the exchange prior to enrollment so you feel you’ve made an educated decision. Our agents can help you find a Louisiana marketplace plan and apply with confidence at 888 803 5917.

Maine

Federally-Run

Maine has decided to let federal agencies run their exchange, with the small handful of private insurers in the state offering coverage. Plans include all of the essential health benefit categories, including prevention and prescriptions, making sure you get the care you need. HealthCare.gov is your resource for purchasing and comparing plans on the Marketplace in Maine.

 

Maryland Health Connection

State-Run

Maryland Health Connection provides health insurance products with financial assistance through a large array of the state’s private insurers. Many of the state’s most well-known companies participate on Maryland‘s state-run exchange, but with the requirement to offer competitive pricing and a large selection of covered services, unlike the private market. Local departments of health and social services can help you find out more about this program and assist with the application process.

 

Massachusetts Health Connector

State-Run

Massachusetts was the pioneer in guaranteed issue health insurance, and setting up their exchange was as simple as making a few minor adjustments to their already established statewide insurance plan. Health Connector is an independent public agency offering coverage under the active purchaser model, where the state selects the plans it wants to contract with and can negotiate rates with carriers. Through the Health Connector website, you can apply for coverage, tax credits and Commonwealth Care subsidized health insurance. Companies include each of the most trusted Massachusetts health plans.

 

Michigan

State-Federal Partnership

Michigan residents have access to coverage on the exchange through a partnership with the federal government. You can apply for health insurance on HealthCare.gov, as the HHS will manage the technical side and most responsibilities, and the state will help consumers and handle plan management. Many of Michigan’s top health insurance companies will compete in an open market to provide you a wide array of benefits that qualify for use with tax credits and subsidies.

 

Minnesota MNsure

State-Run

The Marketplace in Minnesota is a state-based exchange providing policies from all qualified health plans through the MNsure website. While you’re on the site, you can calculate your premium costs with tax credits factored in, research plans from different Minnesota carriers, compare your options and discover healthcare resources in your community. Assistance is offered through live chat and a toll-free hotline to guide you through the process. Minnesota insurers still provide their highly regarded private health insurance products off the exchange, as well.

 

Mississippi

Federally-Run

Mississippi‘s exchange is run by the HHS and CMS, but will include all the familiar insurers that serve your state. To apply for coverage, call a licensed agent or visit HealthCare.gov to find out if you qualify for a tax credit to lower your premium or even cost sharing. All insurers on the Marketplace are required to include essential health benefits in each of their policies, and they cannot turn you down for coverage.

 

Missouri

Federally-Run

The federal government operates the health insurance exchange in Missouri, a state where many established health insurers have been selling private plans for years. The same quality private health plans offer coverage custom-fit to government specifications including a large selection of benefits. Access your options on the exchange through HealthCare.gov, or contact a licensed Missouri agent at 888 803 5917 to discuss subsidy eligibility and plan selection. Whether you’re considering a private plan or a policy on the exchange, research Missouri companies to find out more about networks and provider choice.

 

Montana

Federally-Run

Montana’s health insurance marketplace is run by the Department of Health and Human Services in Washington, and you can buy coverage through a licensed agent at East Coast Health Insurance who can also help you determine you subsidy. The selection of health insurance companies in Montana is very slim, though PacificSource is our main choice for private individual plans. Like other states, private insurers like PacificSource will sell policies that qualify to sell on the exchange, with coverage for preventive care, maternity, hospitalization and rehabilitative services after an injury. If you earn up to 400 percent of the federal poverty line, you may be eligible for a premium tax credit and lower your spending on coverage.

 

Nebraska

Federally-Run

Nebraska residents have access to coverage through a federally-run exchange. This marketplace is available through the government’s health care website, where you can compare and contrast health plans online and choose the insurer that fits you best. Health plans through the marketplace allow you to look at different provider networks and view quotes from health insurers, much like this site. However, only plans on the exchange are qualified for use with tax credits.

 

Nevada Health Link

State-Run

Nevada Health Link is a state-run marketplace giving you access to all Nevada insurers in one place, offering the same selection of plans on their networks. Your state has a great selection of low-cost health insurance on the individual market, and some of the best carriers in the nation, who are worth a look before you buy a plan on or off the exchange. This marketplace is quasi-governmental, or works as an independent public agency rather than a non-profit. Small businesses and individuals have access to coverage through Nevada Health Link, with tools to help you calculate the premiums you’ll pay and the discounts you might receive.

 

New Hampshire

Federally-Run

While surrounded by other state-run marketplaces, New Hampshire opted to let the HHS manage its exchange. Health insurance plans are offered by most insurers throughout the state, including Blue Cross and Blue Shield of New Hampshire, one of our insurers of choice. Call us with any questions you have about health plans on or off the exchange, as we can help you apply for subsidized coverage or policies outside the marketplace. All plans include covered services in ten categories of care including office visits, hospital stays and prescriptions.

 

New Jersey

New Jersey residents can use the federal portal or call an East Coast Health Insurance agent to access their health insurance options on the exchange. This exchange is operated by the Department of Health and Human Services, and features the same New Jersey insurers you already trust for coverage. If your income is at a certain level, you can buy coverage for a discounted rate, as the government will provide you with tax credits to bring your premiums down. Additionally, you can be sure that a range of benefits is included with these plans, as required by law.

 

New Mexico Health Insurance Exchange

State-Run

A state-based exchange, New Mexico‘s marketplace is an independent public agency and gives residents access to insurers throughout the state. New Mexico individual health plans are known for being highly affordable and plans on the exchange are also priced competitively. What separates individual plans on the exchange from the private market is the requirement to have all ten categories of essential health benefits in the exchange plans, as well as the discounts provided on premiums and medical expenses for qualifying policyholders. As always, it is best to research the health plans you will be enrolling with before you apply.

 

New York State of Health

State-Run

 

New York‘s marketplace is run by the state as a not-for-profit entity where qualified health plans are selected by state officials or costs are negotiated with insurers. For New Yorkers, this means a better quality policy for a more reasonable price. For certain income levels, premiums and medical expenses can be reduced with tax credits and subsidies, which are applied to your plan. As a customer of the New York State of Health, you can visit their website to view information on financial assistance, find out if you qualify for Medicaid or compare insurers side-by-side as they offer the same plan selection. Conversely, you can call a licensed agent at 888 803 5917 to receive personal assistance through the application process.

 

North Carolina

Federally-Run

North Carolina residents shopping for coverage on their federally-run exchange can use the government health care portal to discover whether they qualify for Medicaid or financial assistance, and view health plans from different insurers all in one place. The marketplace includes plans from some of the state’s most trusted health insurance companies, who each have their own networks and plans throughout the state. Research these companies before you apply for a plan through the marketplace or the individual market, as the provider networks are similar in each and you may find your doctor is in one network and not another.

 

North Dakota

Federally-Run

Health insurance exchange plans in North Dakota sold by several insurers in the state who have designed plans specifically for the marketplace. These plans include each of the essential health benefits categories such as emergency care, maternity and newborn care and chronic disease management, prevention and wellness. Private health plans that offer such a comprehensive set of covered services also continue to sell plans privately, but tax credits cannot be applied unless you purchase on the exchange. To apply for coverage and find out more about the marketplace in North Dakota, call us at 888 803 5917.

 

Ohio

Federally-Run

The Ohio exchange is operated by the federal government, with the same structure as the rest of the HHS-run marketplaces. In this format, the government allows the insurers in your state to compete for your business, offering identical plans with the difference being cost and provider selection. If an insurer is too costly, they will not participate. You may enroll in a plan with the Ohio insurer of your choice, all of which feature a broad range of benefits in policies that qualify for tax credits to make you premium more affordable.

 

Oklahoma

Federally-Run

Oklahoma defaulted to a federal exchange, leaving all responsibilities to the U.S. Department of Health and Human Services. Residents who would like to apply for coverage through the health insurance marketplace can access HealthCare.gov. Here, you can view detailed comparisons of each health plan offered in your state. As the federal government is allowing Oklahoma health plans to offer Bronze, Gold, Silver and Platinum policies to all qualifying applicants, you have your pick of the one with the best network and premium rate. To make these plans more appealing, your premiums can be reduced with tax credits if you earn a certain level of income.

 

Oregon Cover Oregon

State-Run

Oregon created its own exchange to help residents get access to necessary services for a fair rate. Their exchange is an independent public agency using the active purchaser system to be more selective of the health plans they offer. This way, the state works with insurers to reach an agreeable cost, or the state can choose which plans it wants to include. Every plan will feature a range of benefits, some of which are newly required and others that are often found on individual plans nationwide. Cover Oregon’s website allows customers to view plans and find the insurer that will fit them best. Licensed agents at East Coast Health Insurance can also help you apply for Cover Oregon.

 

Pennsylvania

Federally-Run

The health insurance exchange in Pennsylvania is open to a variety of individuals, with health plans available from many of the state’s private insurers. The federal government operates this marketplace, managing the plans and customer assistance operations, therefore, if you apply for coverage you will use HealthCare.gov. Pennsylvania residents with income between 138 and 400 percent of Federal Poverty Guidelines qualify for tax credits to alleviate the cost of coverage and encourage more people to get insured now that the law allows for it. Coverage is also fairly robust, with the benefits you expect from a quality individual health plan from the Pennsylvania companies you trust.

 

Rhode Island HealthSource RI

State-Run

HealthSource RI is a nonprofit, state-based exchange selling plans as an active purchaser, controlling costs and health plan selection. This exchange features an easy-to-use website with information on individual and small group policies, as well as a tax credit calculator — perhaps one of the most important details of these plans. Not everyone will qualify for a tax credit, but if you earn up to four times the current poverty level, your premiums can be reduced and you may qualify for reduced out-of-pocket payments, as well. The local insurers with which you are already familiar sell their plans through HealthSource RI to offer you established provider networks and quality service.

 

South Carolina

Federally-Run

South Carolina‘s health insurance exchange is run by the federal government and features health plans across the state at prices similar to the private plans offered by the same companies. Whether you apply for coverage on the exchange or through a private plan, it is best to research South Carolina health plans beforehand. The differences between the plans they offer on and off the exchange are tax credits and essential health benefits (EHBs), which make your plan on the exchange potentially cheaper and more robust than the private market. Access your options through HealthCare.gov to compare rates and policies.

 

South Dakota

Federally-Run

The marketplace for Obamacare coverage in South Dakota is managed by the HHS, and is accessible through HealthCare.gov. These plans are offered through the few private health insurers operating in the state, selling plans with a wide array of covered services and price breaks for certain applicants who qualify for subsidies. Resources such as health clinics throughout the community are equipped with navigators who can help you use the marketplace and understand your options.

 

Tennessee

Federally-Run

Tennessee‘s federally-run exchange provides health plans through major private insurers who have served the state for years. These trusted plans sell policies on the exchange and still sell them privately. However, plans qualified for use on the exchange include every category of essential health benefits, and you can reduce your medical costs and premiums with subsidies. Take a look at the various Tennessee insurers you have to choose from before deciding on an exchange plan. You may prefer doctors in one’s network over another, and prefer a greater selection of providers.

 

Texas

Federally-Run

Texas residents in search of a solid health plan have access to coverage with some of the greater insurance companies in the state — actually any health insurer that creates a qualified health plan with the right benefits and price can sell on the exchange. With Texas insurers competing for your business, you can find a comprehensive policy with benefits such as preventive care, wellness and maternity care. Additionally, your rate can be reduced if your income meets the criteria for subsidies, or is at or below 400 percent of federal poverty.

 

Utah Avenue H

Federally-Run/State-Run

Utah‘s marketplace is divided for individuals and small businesses: federally-run for individual and family customers, and state-run for small employers. The SHOP exchange, Avenue H, is open to businesses with up to 50 workers who wish to purchase affordable coverage for their employees. To buy coverage for yourself on the exchange in Utah, you must go through HealthCare.gov, which will list the participating carriers in your state and their pricing options. Small employers have the benefit of an exchange operated at the state-level versus being run by the HHS, but each offers the same types of plans and coverage is not mandatory for businesses of this size.

 

Vermont Health Connect

State-Run

The Vermont state-run exchange called Health Connect allows individuals, families and small employers to shop on the state’s website for coverage from various insurers. Additionally, you can find out if you qualify for subsidized coverage to discount premiums and medical costs, or if you are eligible for Medicaid. Vermont Health Connect is a nonprofit organization that selects the health plans they want to offer residents, and is also an interim plan until 2017, when the state has planned to apply for a waiver from the federal government to combine Health Connect with Green Mountain Care. Green Mountain Care is a single-payer system open to all Vermont residents, and the public-private organization helps to oversee exchange operations.

 

Virginia

Federally-Run

Virginia residents have access to a federally-run health insurance exchange, featuring plans from a selection of the state’s private insurers. Research your options with these companies before you apply so you are aware of the network size and what providers they include. Through the government’s site you can find out whether your income qualifies you for a tax credit to help with premiums or cost sharing, and also apply for Medicaid if your income is too low for exchange coverage. Like all of the other exchanges, there are four main coverage levels to choose from, with several cost options for each. Use the site to compare plans and pricing.

 

Washington Healthplanfinder

State-Run

Washington‘s health insurance exchange is state-run and offers policies from all qualified health plans in the state. Washington Healthplanfinder allows residents interested in exchange coverage to shop plans comparatively, viewing rates from each available insurer for the same plans. The organization is operated by the Washington State Health Care Authority, and plans are offered through an easy-to-use website that explains each plan and helps you discover if you qualify for a subsidy to reduce your costs. If you earn up to 400 percent of FPL, you may be able to reduce your premium with a plan from Healthplanfinder.

 

West Virginia

Federally-Run

West Virginia‘s marketplace is run by the HHS, and you can shop online or in person at a local health center or hospital where certified assistants are able to walk you through the application process. While it isn’t state-run, this exchange sells policies from the insurers in your state who have been serving the region for many years. They have simply created health plans to fit the criteria outlined by the Affordable Care Act for comprehensive coverage, and qualify for premium reductions with subsidies. Choose from the same Bronze, Silver, Gold and Platinum plans sold by each participating insurer in a competitive setting.

 

Wisconsin

Federally-Run

Defaulting to a federal exchange, Wisconsin chose to let their award-winning health plans participate in an HHS-run system. Your favorite local HMOs and PPOs compete with one another to offer you a fair price on coverage, and your income level may qualify you for financial help. Each plan comes with the same array of benefits, including prescription coverage, maternity care, prevention, emergency care and doctor’s office visits. Call us today for a quote and break down of options on the exchange at 888 803 5917.

Wyoming

Federally-Run

The existing health insurance market in Wyoming was already quaint, and the exchange offers a similarly modest selection of health plans. You can find coverage to meet your needs from a small handful of carriers, which makes your job easier when it comes to choosing a plan. Every plan type is identical regardless of the insurer, leaving you to pay either 40, 30, 20 or 10 percent coinsurance once your deductible is met. You might even be eligible for tax credits to make coverage more feasible — the key difference between private plans on and off the exchange.