Health Insurance Plans by State
Health Insurance Plans by State change more than most people expect. In fact, prices, carriers, and rules all depend on where you live. So start with your state below, and a licensed Vivna agent will compare every local option for free.
🗺️ Browse Health Insurance Plans by State
Every state guide covers local carriers, savings, enrollment dates, and plan types. Use the filters to narrow the list. Then tap your state to open its full guide.
🍂 Northeast
🌴 Southeast
🌾 Midwest
🌵 Southwest
🏔️ West
🧭 Why Health Insurance Plans by State Are Different
Federal rules set the floor for every ACA plan. However, each state adds its own layer on top. As a result, the same family can see very different choices in two states.
Our licensed agents know the rules in all 48 states we serve. So call 888-730-6001, and we will explain exactly how your state works. You can also read our health insurance FAQs.
🏛️ Marketplace Platform
Most states use HealthCare.gov. Meanwhile, 21 states and Washington, D.C. run their own marketplace website. Either way, every plan follows the same ACA rules.
💲 Extra State Savings
Federal tax credits apply in every state. In addition, some states add their own help, such as California, New Jersey, and New Mexico. So two families with the same income can pay different prices.
🏥 Medicaid Expansion
Forty states and Washington, D.C. expanded Medicaid to more low-income adults. However, ten states have not. In those states, some adults fall into a coverage gap.
⚖️ State Coverage Mandates
There is no federal penalty for going uninsured. Still, California, Massachusetts, New Jersey, Rhode Island, and Washington, D.C. charge their own penalty. So residents there should keep coverage all year.
⏱️ Short-Term Plan Rules
Each state decides whether short-term plans can be sold, and for how long. Therefore, short-term and Tri-Term plans are only offered in approved states. First, our agents confirm your state.
🤝 Carriers and Networks
Every carrier picks its own states and counties. For example, a carrier may sell in one county but not the next. That is why local guidance matters so much.
⚖️ HealthCare.gov States vs. State-Run Marketplaces
Every state offers ACA plans through one of two systems. Here is how they compare, so you know what to expect in yours.
🌐 HealthCare.gov States
- Where you enrollHealthCare.gov, the federal website
- Open enrollmentUsually November 1 through January 15
- Federal tax creditsYes, for eligible incomes
- Extra state savingsLess common
- Help from VivnaFree, start to finish
🏛️ State-Run Marketplaces
- Where you enrollYour state’s own marketplace website
- Open enrollmentOften the same, though some states set their own dates
- Federal tax creditsYes, for eligible incomes
- Extra state savingsMore common in these states
- Help from VivnaFree, start to finish
Either way, Health Insurance Plans by State all follow the same core ACA protections. For example, every plan covers pre-existing conditions. Learn more in our marketplace plan comparison.
🚚 Moving to a New State? Your Coverage Can Move Too
A permanent move usually opens a 60-day Special Enrollment Period. So you can pick a plan in your new state without waiting for open enrollment. However, you generally need coverage before the move to qualify.
Then our agents compare plans in your new state for you. Call 888-730-6001, or read our open enrollment guide.
- Report your moveFirst, update your address with your current plan or marketplace.
- Compare plans in your new stateNext, we line up carriers, networks, and savings where you now live.
- Enroll within 60 daysFinally, pick a plan so your coverage continues with no gap.
❓ Health Insurance Plans by State FAQs
Shopping across state lines raises a lot of questions. So here are clear answers to the ones we hear most.
Still unsure? Then call 888-730-6001. A licensed agent will walk you through the rules where you live.
01How do Health Insurance Plans by State differ?
Each state has its own carriers, prices, and rules. For example, some states run their own marketplace and add extra savings. Meanwhile, others use HealthCare.gov. Use the directory above to open your state guide.
02Does my state use HealthCare.gov?
Most states do. However, 21 states and Washington, D.C. run their own marketplace website. Type your state into the finder at the top of this page, or call 888-730-6001 for help.
03Can I buy health insurance from another state?
Generally, no. You buy an ACA plan in the state where you live. However, plans cover emergency care when you travel. So you stay protected on the road.
04What happens to my health insurance if I move?
A permanent move usually opens a 60-day Special Enrollment Period. Then you can choose a plan in your new state. Read our open enrollment guide for timing details.
05Are short-term plans available in every state?
No. Some states ban or limit short-term plans. Through Vivna, they are offered in approved states only. See our short-term plans page and our Tri-Term plans page.
06What is the Medicaid coverage gap?
In states that did not expand Medicaid, some adults earn too little for tax credits. Yet they still do not qualify for Medicaid. In that case, our agents review every other option with you.
07Do states have their own coverage requirements?
Yes, a few do. For example, California, Massachusetts, New Jersey, Rhode Island, and Washington, D.C. charge a penalty for going uninsured. Elsewhere, there is no penalty, but coverage still protects your savings.
08Which carriers sell plans in my state?
It depends on your state and county. For example, UnitedHealthcare, Ambetter, Oscar, and Molina each sell in different areas. Your state guide lists the main carriers.
09When is open enrollment in my state?
In most states, open enrollment runs November 1 through January 15. However, some state-run marketplaces set different dates. In most states, enroll by December 15 for coverage that starts January 1.
10Does Vivna charge for help in my state?
No. Our licensed agents help for free in every state we serve. Simply call 888-730-6001 or request a free quote online.
📞 Get Help With Health Insurance Plans by State
Health Insurance Plans by State can feel confusing, but you never have to sort them out alone. Vivna is licensed in 48 states, so one call covers it all.
Also, our help is always free. Call 888-730-6001, or visit our contact page. Official resources: HealthCare.gov and the state insurance department directory.
- Phone888-730-6001
- Emailmemberservices@vivna.net
- Headquarters810 SE 8th Ave, Suite A
Deerfield Beach, FL 33441 - HoursMonday to Friday, 9am to 6pm ET
- Licensed48 states, with help by phone wherever you live