Regulator-published primary sources only: CMS QHP Landscape, the CMS FFM Exchange Rate PUF (30 federal-marketplace states), CMS SBE Rate PUF (20 state-based marketplaces when published), Georgia Access Rate PUF, Illinois DOI SERFF-mirror filings, NJ DOBI rate filings, and SERFF URRT extracts where no PUF path exists. Data refreshed annually for OEP. Full pipeline at /methodology.

You're not eligible for federal APTC for PY2026 coverage but you can still enroll on-exchange or off-exchange. The site shows you the cheapest plan regardless of subsidy eligibility. Many self-employed and FIRE-cohort households fall here — check whether a Bronze or Catastrophic plan + HSA combination beats a higher-AV plan on total cost.

Carrier participation varies by county and rating area. The cheapest plan in your county might come from a regional carrier you haven't heard of — that's normal. We list every on-exchange and off-exchange carrier serving your county on the per-state and per-county pages.