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An HMO requires you to choose a primary care physician and get referrals for specialists. It usually has lower premiums and costs, but you must use in-network providers, except in emergencies. A PPO lets you see any doctor without a referral, including out-of-network doctors at a higher cost, but it usually costs more each month.

In 2026, the average benchmark Silver plan (the second-lowest-cost Silver plan in an area) cost about $625 a month for a 40-year-old, according to KFF. Insurers have asked for a median 15% increase for 2027, and 2027 enrollment on HealthCare.gov runs Nov. 1, 2026 to Jan. 15, 2027. Many people pay much less after tax credits, and some pay $0 a month for a Bronze plan. Bronze plans usually have the lowest premiums and the highest deductibles; Platinum plans usually have the highest premiums and the lowest out-of-pocket costs. If your job offers coverage, workers paid about $140 a month on average for single coverage in 2026.

For 2027 coverage, you may qualify for a premium tax credit if your household income is between 100% and 400% of the federal poverty level: about $15,960 to $63,840 for one person, or $33,000 to $132,000 for a family of four (Alaska and Hawaii are higher). Above 400%, there is no credit in 2027 unless Congress changes the law, because the extra credits that began in 2021 ended after 2025. In the 40 states and D.C. that expanded Medicaid, adults under 65 with income up to 138% of the poverty level (about $22,025 for one person) can get Medicaid instead; starting in 2027, many of these adults must show work or other activity to keep it. Your exact credit is set when you apply on HealthCare.gov or your state's exchange.

A deductible is the amount you pay for covered care each year before your plan starts to pay its share. With a $3,000 deductible, you cover the first $3,000 of covered medical costs; after that you pay copays or coinsurance, up to your plan’s out-of-pocket maximum (no more than $12,000 for one person in 2027). Many preventive services, such as vaccines and screenings, are covered before you meet your deductible. A plan generally qualifies you for a Health Savings Account (HSA) if its deductible is at least $1,750 for one person or $3,500 for a family in 2027 ($1,700 and $3,400 in 2026), and it also limits how much you can pay out of pocket in a year. An HSA lets you pay medical costs with pre-tax money. Since 2026, Bronze and catastrophic Marketplace plans can be paired with an HSA even if their deductible is lower.

ACA plans must cover 10 essential health benefits, including mental health care, maternity care and prescription drugs, but what you pay varies between plans. Most plans don’t cover adult dental or vision care, cosmetic procedures, hearing aids, long-term care, experimental treatments, or out-of-network care in an HMO or EPO, except emergencies. Dental and vision care for children are essential health benefits, though children’s dental coverage is sometimes sold as a separate plan.

On HealthCare.gov, open enrollment for 2027 coverage runs Nov. 1, 2026 to Jan. 15, 2027. Pick a plan and pay your first premium by Dec. 15 for coverage that starts Jan. 1; sign up Dec. 16 to Jan. 15 and it starts Feb. 1. States that run their own exchange set their own dates, so check your state's site; for example, Idaho ends Dec. 15, and California, New Jersey and New York end Jan. 31. Outside open enrollment, you can usually sign up within 60 days of a qualifying life event, such as losing other coverage, getting married, having or adopting a child, or moving. You can apply for Medicaid and CHIP any time of year, and employer plans have their own enrollment windows.

Before tax credits, no: in 2026 the average benchmark Silver plan for a 40-year-old cost at least $401 a month in every state (KFF). After tax credits, $200 a month for the benchmark Silver plan is about what one person earning $33,500 a year would pay under the 2027 rules. With a lower income you would likely pay less, and above $63,840 you would pay full price.

For 2027 coverage, premium tax credits go to households with income from 100% to 400% of the federal poverty level: $15,960 to $63,840 for one person and $33,000 to $132,000 for a family of four (Alaska and Hawaii are higher). Above 400% there is no credit unless Congress changes the law. In states that expanded Medicaid, adults with income up to 138% of the poverty level usually get Medicaid instead.

You can usually get a Marketplace plan only if a qualifying life event, such as losing other coverage, moving, getting married or having a baby, opens a special enrollment period, which usually lasts 60 days. Medicaid and CHIP accept applications any time of year. Otherwise, you wait for the next open enrollment. There is no federal tax penalty for going without coverage, but California, Massachusetts, New Jersey, Rhode Island and D.C. have their own.

Mostly, yes. “Obamacare” is a nickname for the Affordable Care Act (ACA), and plans sold on HealthCare.gov or a state exchange are ACA plans. Insurers also sell ACA plans outside the Marketplace, but premium tax credits only apply to plans bought through the Marketplace.

Enter your ZIP code in a quote box on this page and answer a few questions about who needs coverage. Comparing health care quotes for individual and family plans on InsuranceQuotes.com is free, and you’re never obligated to buy. You can also preview plans and prices on HealthCare.gov or your state’s exchange, which sets your exact tax credit when you apply.