Which Health Plan Fits Me?
Six quick questions. I'll tell you whether a Marketplace plan with a tax credit or a private plan likely fits you better, and why. No cost, no sign-up.
Esta página en españolQuestion 1 of 6
How many people are in your household?
Count yourself, your spouse and anyone you claim on your taxes.
An estimate, not a quote. Your real options depend on your age, location, household and, for private plans, your health answers. Private plans aren't Marketplace plans, may not cover pre-existing conditions and need approval. Savings aren't guaranteed.
General information, not tax advice — confirm with your CPA based on your specific entity structure.
How I decide
Two things matter most: your income and your health. If your 2027 household income is under 400 percent of the poverty line, a Marketplace tax credit usually makes a Marketplace plan the best value. Over that line, the credit stops and you pay full price.
Health matters because of how each plan is sold. Marketplace plans can't turn you down or charge more for a condition. Private plans can ask health questions, and they may decline you or exclude a condition. So if you're healthy and over the line, a private plan may cost less, if approved. If you have ongoing conditions, the Marketplace is usually the safer choice.
General information, not tax advice — confirm with your CPA based on your specific entity structure.
Timing matters too
The Marketplace is open during open enrollment, or for about 60 days after a life event like losing coverage, moving, marrying or having a baby. Outside those windows, you wait. A private plan doesn't use enrollment windows and can often start the first of next month, if approved.
What private plans are, and aren't
Private plans aren't Marketplace plans. They don't get tax credits, they may not cover pre-existing conditions, and benefits vary by plan. I show you what a plan covers and what it leaves out before you choose, next to your Marketplace options.
Common questions
Is this quiz a quote?
No. It's an estimate based on public 2027 figures and a few rules of thumb. A real quote depends on your age, location, household and, for private plans, your health answers. I can run real numbers with you by phone or video.
Can I get a private plan with a pre-existing condition?
You can apply, but a private plan can ask health questions and may decline you or exclude a condition. Marketplace plans can't. If you have ongoing conditions, I usually start with the Marketplace.
What is the 400 percent line?
For 2027 coverage, Marketplace tax credits stop when household income is over 400 percent of the federal poverty line: $63,840 for one person and $132,000 for a family of four. Under it, a credit can lower your monthly price. General information, not tax advice — confirm with your CPA based on your specific entity structure.