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How ACA Plans Vary by State
States either run their own health insurance exchange or participate in the federal exchange (Healthcare.gov). States with their own exchanges include California (Covered California), New York (NY State of Health), Massachusetts (MA Health Connector), and 16 others.
Top Insurers by Region
- West Coast: Blue Shield, Kaiser Permanente, Oscar Health
- Northeast: Anthem, Harvard Pilgrim, ConnectiCare
- Southeast: Ambetter, Molina Healthcare, Florida Blue
- Midwest: Medica, PreferredOne, BCBS affiliates
- Southwest: Blue Cross Blue Shield, Scott & White, Christus
What to Compare in Any State
- Monthly premium after subsidy
- Annual deductible (especially important for Silver plan CSRs)
- In-network doctors and hospital systems
- Prescription formulary
- Plan type (HMO vs PPO)
See also: ACA Subsidy Calculator • Full ACA Guide