Compare Government Health Plans.
GovernmentHealthInsurance.com is a privately-owned site not affiliated with Read More

Who We Are:

We're an independent, privately-operated provider of consumer healthcare information. From GovernmentHealthInsurance.com, you can shop around for healthcare marketplace plans (i.e., the same plans available on HealthCare.gov), and other state-based exchanges. In addition, we may display plans that are sold by insurance carriers that meet federal standards to be a qualified health plan (as defined by the ACA), but are not sold at HealthCare.gov or your state exchange. We do not actually sell health plans ourselves, but work with licensed entities.

What if I Need a Subsidy?

Our website helps you calculate if you are eligible for a subsidy. We provide only an estimate. You can apply for and buy a plan online at GovernmentHealthInsurance.com (or a state exchange website), through a web-based entity as defined by the ACA, or from licensed insurance agents. We partner with both web-based entities and licensed insurance agents to enroll consumers. You officially calculate and apply for a subsidy at the time of purchase. If you are eligible for a subsidy, you can apply for qualified health plan (as defined by the ACA) through insurance carriers and certified, licensed insurance agents that partner with us.

Here are important facts straight from HealthCare.gov confirming that health insurance can be (and most-often is) purchased outside of the federal exchange website:

"Many insurance agents and brokers can also help you apply for and enroll in Marketplace health coverage. Contact an agent or broker to learn more." - HealthCare.gov

You can also get insurance outside the Marketplace--through a private insurance company, an online insurance seller, or an agent or broker." - HealthCare.gov

Our Business Model:

Our business model is to: 1) aggregate a comprehensive set of plan options - including both on-exchange and off-exchange plans - from public and private sources, 2) develop industry-leading tools, data and technology to help consumers select a plan, and 3) match consumers with multiple purchase options - online, over the phone or directly with a certified, licensed insurance agent. We generate revenue from agencies and carriers by facilitating plan purchases. We also generate some targeted advertising revenue from the website. Our services are free to consumers.

Compare Government Health Plans.
Subsidies are Available to Lower Your Costs.

Compare affordable healthcare options and find the best plan.


* Prices are fixed by law. You can't find lower rates anywhere else.

Government Health Plans: Affordable and Accessible Health Care for All

Government Plans were established by the Affordable Care Act to provide every American with quality health coverage that is truly affordable and attainable.

There are four types of Government Plans. Known as the “metal plans,” they are categorized as

  1. Bronze,
  2. Silver,
  3. Gold, and
  4. Platinum.

There is also a fifth plan that is known as the Catastrophic Plan. It provides limited coverage at a low cost for emergencies and serious medical events.

What Do Government Plans Cover?

Each of the four metal plans -- Bronze, Silver, Gold and Platinum -- provides you with the Essential Health Benefits that are required by the Affordable Care Act. These include:

  1. Ambulatory patient services.
  2. Emergency care.
  3. Hospitalization.
  4. Maternity & newborn services.
  5. Mental health and addiction services.
  6. Prescription drug coverage.
  7. Rehabilitative and habilitative care.
  8. Laboratory services.
  9. Preventive and wellness services, along with chronic disease management.
  10. Pediatric care, including dental and vision services.

You are entitled to health coverage with a Government Plan whether or not you have a preexisting medical condition. You also cannot be dropped by your carrier for becoming too costly to insure.

Government Plans are available only during Open Enrollment. The only exception is if you missed Open Enrollment, you could be eligible for a Government Plan if you have a Qualifying Life Event-- or certain life changes.

What are the Difference Between Government Health Plans?

The difference among plans is the cost. Each plan provides you with access to the same level of coverage. Please review the below table to compare the differences:

Plan Type Monthly / Annual Rate Subsides Accepted? Insurance Pays You Pay Best for those who:
Bronze: Low Yes 60% 40% Do not expect to regularly see the doctor or take prescriptions.
Silver: Medium Yes 70% 30% Do not expect to regularly see the doctor or take prescription drugs. However, my preference is to pay less out-of-pocket when I do need care or medication.
Gold: High Yes 80% 20% Expect to regularly see a doctor and regularly take prescription medications.
Platinum: Premium Yes 90% 10% Have an on-going medical condition or illness requiring very frequent medical services and medications.
Catastrophic:
available only for those under 30 or with a hardship exemption
Lowest No 90% 10% Meet the eligibility requirements of an income hardship and/or being under the age of 30. Coverage includes free preventive care and 3 primary care visits per year with no deductible. Entire deductible must be paid before the plan pays for catastrophic medical events.

Qualifying for a Subsidy

Subsidies are like “discounts” that are applied directly towards your health care costs. They can substantially lower the amount you pay for health coverage. You must meet certain income guidelines in order to qualify.

If you do qualify, the total amount of your subsidy will depend on your age, your household income, how many people are in your household, and whether you are a smoker.

Currently, many uninsured Americans qualify for subsidies. To learn about qualifying for subsidies, please click here.

Determining Your Eligibility

Your eligibility for Government Plans and Subsidies can be determined during the enrollment process. Please enter your zip code and fill in the 1-page application to begin, or call (800)-986-6208 to speak to an agent.

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