Federal ACA Marketplace2026 open enrollment
Compare plans with your subsidy already applied, and enroll at your own pace.
How it works
You answer, we price it, you verify the details that matter. Nothing reaches a carrier until you choose a plan, and your answers save at every step.
ZIP code, household size and expected income. That is enough to price every plan in your county.
Your premium tax credit is applied before you see a single number, so the price on screen is the price you pay.
Confirm your providers are in network and your prescriptions sit on the formulary at a tier you can afford.
Submit your application and a licensed agent takes a final look before it reaches the carrier.
Self enrollment
Compare plans, verify the details that matter, and complete one secure application. Trudy can explain each step, and licensed help is available whenever you ask for it.
Self-service
You drive. Compare every plan in your county, pick one, and submit the application at your own pace.
Help included
You are never on your own inside the application. A guidance widget rides along with instructions for the question in front of you, and live help is one tap away.
Verify before you buy
A doctor out of network, a drug on a specialty tier, a subsidy you did not know you qualified for. Each one is a lookup you can run before you commit.
Search by name or specialty, see the practice address near your ZIP code, and confirm which plans list that provider in network.
Check my doctorsType a medication, confirm the exact strength, and see how each plan tiers it and what the copay looks like at the counter.
Check my drugsSee the monthly premium tax credit your household qualifies for, and the cost-sharing level it unlocks on silver plans.
Estimate my savingsLive licensed help
Start a video, phone or chat session from any step and share the screen you are already on. They see the same application, answer the question in front of you, and hand control straight back.
Sources and methodology
Rates and cost sharing come from the carrier filings behind the HealthSherpa quoting API. Subsidy math comes from the CMS Marketplace eligibility API.
Systems of record
Methodology
FAQ
Straight answers on cost, phone calls, subsidies and enrollment timing.
Ready when you are
Enter a ZIP code, household size and income. You get plan pricing after subsidies in about two minutes, and nothing goes to a carrier until you choose.
