About this tool

ACA shopping is harder than it should be. HealthCare.gov makes you create an account before showing prices. State exchanges do the same. Most comparison sites collect your email and steer you toward whoever's paying them.

This site shows the cheapest plans in your ZIP code in about ten seconds. No account, no email. Add your income and you'll see the net price after federal APTC and any state premium subsidy you qualify for. The Enroll button routes you to HealthCare.gov or your state exchange. It doesn't try to keep you here.

Most useful if you're self-employed, above 400% of the federal poverty level, or just want to see what's out there before talking to anyone.

Free. No ads, no lead resale, no email collection.

How the prices are calculated: methodology. ACA terms in plain English: glossary. Outside Open Enrollment? See if you qualify for a Special Enrollment Period.