Coverage Intelligence · Plan year 2026
Live ACA Plan Explorer
Research ACA Marketplace plans for your ZIP and household. Compare premiums and estimated yearly cost under a care-usage scenario (CMS expected out-of-pocket when available — never invented as $0). Optionally add doctors and prescriptions for network/formulary signals. Educational research only — not enrollment. Confirm on HealthCare.gov. No lead form required.
Yearly cost scenarios · Doctor network checker · Prescription coverage checker · County ACA intelligence · Carriers · Methodology · All research tools
Server note: MARKETPLACE_API_KEY is not set. The tool will show an honest empty state until a CMS Marketplace API key is configured. We will not invent plan premiums.
Research only — not enrollment, not a quote marketplace
No lead form required. Plan facts, doctor/drug match signals, and CMS expected out-of-pocket (when a care scenario is selected) come from Marketplace data when configured. Unknown and unavailable stay honest — never treated as $0. Estimated premiums after credit are educational. The cheapest premium is often not the cheapest plan. Confirm on HealthCare.gov before enrolling. No paid placements in ranking.
Household & location
Care-usage scenario (yearly cost)
This estimate helps compare plans under a scenario. It is not a promise of your real annual cost. When selected, we request CMS expected out-of-pocket (OOPC) using utilization Low / Medium / High — we do not invent care dollars when CMS omits them.
Your doctors / facilities
Marketplace-reported network signals only. Not a guarantee of acceptance or coverage at time of care.
Enter a ZIP above first — provider search uses your market context.
Optional — explorer works with zero doctors. Add some to update plan cards.
Your prescriptions
Formulary signals from CMS only. Confirm on plan formulary / issuer materials before relying on a result. Tier / PA only if CMS provides them (often not).
Optional — explorer works with zero meds. Add some to update plan cards.
You decide. Insurance Trust Hub does not sell policies, rank “best plans,” or require lead forms to research coverage.
Doctor network and prescription signals are CMS Marketplace-reported only. Unknown and data-not-provided are first-class. Premium tax credit math is educational. Official eligibility is determined only by the Marketplace.
Independent directory. Not affiliated with any insurance carrier, agency, or agent. All information is for research purposes only. Always verify licensing directly with your state's Department of Insurance, NAIC, or official sources before engaging any provider.