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Health insurance
Care you can afford when you need it most
Health insurance helps pay for doctor visits, hospital stays, prescriptions and emergencies for a monthly premium. Compare marketplace, employer and metal-tier plans in one place — and see any subsidies you may qualify for.
- See plans that cover your doctors and medications
- Check whether you may qualify for subsidies
- Compare Bronze to Platinum tiers with no obligation
- Compare in minutes
- Subsidies if eligible
- Free to compare
What's covered
What health insurance covers
Most comprehensive plans share a core set of essential benefits. Here's what a typical health plan helps pay for.
Doctor & specialist visits
Helps cover appointments with your primary care doctor and specialists, so routine and follow-up care stays affordable.
Hospital & emergency care
Pays a share of hospital stays, surgeries and emergency-room visits — the costs that hurt most without coverage.
Prescription drugs
Covers many medications on the plan's formulary, typically with a copay or coinsurance that varies by drug tier.
Preventive care
Routine screenings, vaccines and annual check-ups are often covered at $0 when you use an in-network provider.
Mental-health care
Includes therapy, counselling and treatment for mental-health and substance-use conditions as an essential benefit.
Maternity & newborn care
Covers pregnancy, delivery and care for your newborn, from prenatal visits through the first weeks at home.
Why AltFTool
Why compare health plans here
Plans and prices side by side
Compare marketplace, employer and metal-tier plans in one view — premiums, deductibles and networks laid out clearly.
See subsidies you may qualify for
Based on your income and household size, you may qualify for savings that lower your monthly marketplace premium.
Keep your doctors and meds
Filter for plans whose networks include your providers and whose formularies cover the prescriptions you take.
Guard against big bills
An out-of-pocket maximum caps what you pay in a year, protecting you from ruinous costs after a major illness.
How it works
From quote to covered in four steps
Enter your info and ZIP
Share your ZIP code, age, household size and estimated income — it takes about a minute to start.
Compare plans and subsidies
Review available plans side by side, along with any premium subsidies you may be eligible for.
Pick a plan
Choose the tier, network and deductible that fit how you use care and what you can budget each month.
Enroll
Complete enrollment with the insurer or marketplace and your coverage starts on the plan's effective date.
Good to know
What affects your health insurance premium
Marketplace pricing follows a defined set of rules. These are the main factors insurers can use when setting your premium.
- Age
- Premiums generally rise with age, so older applicants typically pay more than younger ones for the same plan.
- Location
- Rates are set by state and rating area, reflecting local care costs and the insurers competing where you live.
- Plan tier
- Bronze plans have lower premiums but higher out-of-pocket costs; Gold and Platinum cost more monthly but pay a larger share of care.
- Tobacco use
- Many insurers may charge tobacco users a higher premium, within limits set by law, than non-users of the same age.
- Household size & income
- Your household size and income don't raise the sticker price, but they determine whether you qualify for subsidies that lower it.
Health Insurance, made simple
Compare real quotes from trusted providers in one place and choose the coverage that fits — no pressure, no jargon, no obligation.
Questions
Health Insurance FAQs
Comprehensive plans typically cover doctor and specialist visits, hospital and emergency care, prescriptions, preventive care, mental-health treatment and maternity care. Exact benefits and cost-sharing vary by plan.
The premium is what you pay monthly to keep coverage. The deductible is what you pay before the plan starts sharing costs. The out-of-pocket maximum caps your total spending in a year, after which the plan pays 100% of covered care.
You may qualify for a premium subsidy on a marketplace plan depending on your income and household size. Eligibility isn't guaranteed — the estimate you see when comparing plans shows what you may receive.
For marketplace plans you can usually enroll during the annual Open Enrollment period, or during a Special Enrollment Period if you have a qualifying life event like losing coverage, moving, marriage or a new baby.
ACA-compliant plans can't deny you coverage or charge you more because of a pre-existing condition, and they can't exclude care related to it. Some short-term plans work differently, so check the plan type.
An HMO usually keeps costs lower but limits you to in-network providers and referrals, while a PPO costs more and offers more flexibility to see out-of-network doctors. Check that your providers are in-network before enrolling.
Find a health plan that fits
Compare marketplace, employer and metal-tier plans in minutes, check the subsidies you may qualify for, and enroll during Open Enrollment or a Special Enrollment Period — free, with no obligation.
AltFTool is not an insurance company, agency or marketplace and does not sell insurance. Plans, coverage, subsidy eligibility, enrollment periods and pricing are set by insurers and government marketplaces and vary by state and circumstances. Coverage examples are general; read each plan for exact terms.