Health Insurance Marketplace
Insurance Glossary
The government-run exchange where individuals and families shop for Affordable Care Act health plans and apply for income-based subsidies. Most states use the federal HealthCare.gov platform while others run their own exchange with a separate website and its own enrollment dates. Plans sold there must cover the essential health benefits and cannot deny coverage or charge more for a pre-existing condition, and premium tax credits and cost-sharing reductions are available only through the exchange.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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