What Health Plans Are Available in My Area?
Finding the right health insurance or Healthshare plan depends on where you live. Plans vary by state and provider, so it’s important to explore the options available in your location.
Finding the right health insurance or Healthshare plan depends on where you live. Plans vary by state and provider, so it’s important to explore the options available in your location.
✅ Compare Health Plans by State
- Marketplace (ACA) Plans – Government-subsidized plans available through healthcare.gov or your state’s marketplace. We can help here.
- Health Sharing Plans – Lower-cost alternatives to insurance that allow members to share medical expenses.
- Short-Term Health Plans – Temporary coverage for those between jobs or waiting for Open Enrollment.
- Medicaid & CHIP – Low-income coverage options available in all states.
💡 To see plans available in your area, visit:
👉 HSA for America Health Plans by State
How to Find the Best Plan for Your Needs
Step 1: Check Available Plans in Your State
- Use our state-based plan finder to compare ACA, Healthshare, and private insurance options.
Step 2: Determine Your Eligibility for Subsidies
- If you qualify for premium tax credits, you may pay less for health insurance.
Step 3: Compare Plan Types
✔ High Deductible Health Plans (HDHPs) + HSAs – Save money on premiums and contribute to a tax-free Health Savings Account (HSA).
✔ Health Sharing Plans – Lower monthly costs, but different from traditional insurance.
✔ Short-Term Coverage – Great for temporary needs but may not cover pre-existing conditions.
Step 4: Enroll in a Plan
- Open Enrollment runs November 1 – January 15, or you may qualify for Special Enrollment if you’ve had a major life change (e.g., job loss, marriage, or moving states).
FAQs: Understanding Your Health Plan Options
📌 What’s the difference between Health Insurance & Healthshare Plans?
- Health Insurance covers pre-existing conditions and follows ACA regulations.
- Healthshare Plans are a cost-sharing alternative that may have lower monthly costs but different coverage limitations.
📌 Can I get a plan if I missed Open Enrollment?
Yes! If you missed Open Enrollment, you may still qualify for:
✔ Special Enrollment Period (SEP) – If you had a qualifying life event.
✔ Health Sharing Plans – Available year-round.
✔ Short-Term Health Plans – Immediate coverage for temporary needs.
📌 Where can I compare plans and prices?