Compare marketplace plans side by side
Enter your ZIP, ages, and income, then pick up to three plans from your area. You will see each one’s monthly premium, price after your estimated subsidy, deductible, and out-of-pocket maximum — and you can copy a link that reopens the exact comparison.
How we compare this
Every number comes from the official CMS Marketplace public use files for plan year 2026 — the same plan and rate data behind HealthCare.gov. Premiums are the non-tobacco rates for your rating area and ages; deductibles and out-of-pocket maximums come from the plan attributes file, and when a plan reports a separate prescription-drug deductible we show it alongside the medical deductible rather than hiding it in a single number. The after-subsidy price subtracts your estimated premium tax credit, computed per the IRS formula in Rev. Proc. 2025-25 from the second-lowest-cost Silver plan in your area — except Catastrophic plans, which cannot use the credit and are shown at full price. When the federal files don’t report a value, we print a dash instead of guessing. States that run their own exchanges aren’t in the federal files, so we say so instead of faking a plan list. All figures are estimates, not quotes — confirm final prices where you enroll.
Frequently asked questions
Where does the plan data in this comparison come from?
- From the official CMS Marketplace public use files for plan year 2026 — the same plan and rate data behind HealthCare.gov. Premiums come from the rate file, and deductibles and out-of-pocket maximums come from the plan attributes file. When an insurer did not report a value in those files, we show a dash instead of guessing. States that run their own exchanges are not in the federal files, so plan-level comparison is not available there yet.
Why do some plans show a medical deductible plus a separate drug deductible?
- Because that is how the plan actually works. Some insurers set a separate prescription-drug deductible alongside the medical deductible — a plan can advertise a $0 medical deductible while drugs run through their own deductible of several thousand dollars. When a plan reports a separate drug deductible in the federal files, we show both numbers rather than a single figure that hides one of them.
Why does the after-subsidy column show the full price for Catastrophic plans?
- Premium tax credits cannot be applied to Catastrophic plans, so the subsidy that lowers other tiers does not lower these — their full price is what you would pay. Catastrophic plans are also limited to people under 30 or those with a hardship or affordability exemption.