100 marketplace plans from 5 insurers across 64 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
Compare options
Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
Insurer
Counties (of 64)
Plans
Cheapest plan
Typical Bronze
Typical Silver
Typical Gold
Cheapest plan name
Ambetter (Centene)
22
16
$441
$502
$609
$713
Standard Expanded Bronze
CHRISTUS Health Plan
8
15
$402
$493
$654
$761
CHRISTUS Value Bronze
AmeriHealth Caritas Next
4
8
$502
$534
$707
$703
AmeriHealth Caritas Next Bronze Essential + No Referrals
Blue Cross and Blue Shield of LouisianaBCBS Louisiana (Blue Cross Blue Shield company)
64
48
$405
$534
$775
$781
Signature Blue 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligible
UnitedHealthcareUnitedHealth Group
48
13
$522
$606
$826
$847
UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals)
Deductibles and a bad year, by metal level
Metal
Lowest
Typical*
Highest
Plans
Typical deductible
Typical out-of-pocket max
Typical bad year**
Bronze
$402
$538
$820
35
$7,500
$10,150
$16,837
Silver
$542
$771
$1,101
36
$4,000
$8,900
$18,402
Gold
$605
$785
$1,103
29
$1,500
$8,300
$18,251
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
To compare insurance plans side by side (or with health sharing), open your county.
Health sharing programs NOT INSURANCE
Health care sharing ministries and sharing communities are not insurance. They are not regulated as insurance, payment of your medical bills is not guaranteed, ACA tax credits and protections do not apply, and pre-existing conditions are often limited or excluded. Prices are national (same in every county) for one adult age 40, checked October 2026.
Side by side: the typical marketplace Bronze plan here is $538/mo with a legal out-of-pocket cap; a bad year ≈ $16,837 before tax credits. Many people get tax credits that cut ACA premiums a lot; health sharing never qualifies.
† 12 × monthly price + the amount you pay before sharing starts (plus any capped co-share) for one medical need. Two needs in a year can mean paying that amount twice. Not comparable 1:1 with an insurance out-of-pocket maximum, which is a legal yearly cap. Knew Health and Medi-Share publish prices by quote only. How health sharing works
How we make money: We have no affiliate links or paid placements yet. Payment never changes the order of any table or which option is labeled lowest. Disclosures