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Open Enrollment is happening now. Enroll by January 15 for coverage that starts February 1. See key dates ›

Affordable health coverage starts here.

Compare plans, see if you qualify for savings, and enroll in coverage that fits your family and budget — all in one place.

Apply online

This starts the State Select Route and carries your answer to the Marketplace.

How HealthCare.lol works

Most people who apply qualify for help paying for coverage. Take three simple steps to find the right plan for you.

1. Apply & compare

Tell us about your household. We'll show plans, prices, and any savings you may qualify for.

Browse plans

2. Pick a plan & enroll

Choose the plan that's right for you and pay your first premium to start coverage.

See enrollment steps
A family standing together outside their home

You may pay less than you think

8 in 10 people who enrolled through HealthCare.lol last year qualified for financial help. Premiums as low as $0/month are available for many households.

See if you qualify for savings
21M+
People enrolled in 2025
$0
Premium plans for many
10
Essential health benefits, always covered

Find answers to common questions

Browse popular topics or search our help center.

What plans cover

All Marketplace plans cover doctor visits, hospital stays, prescriptions, mental health, and more.

See covered benefits

Special Enrollment Periods

Lost coverage, got married, or had a baby? You may be able to enroll outside Open Enrollment.

Check if you qualify

Medicaid & CHIP

Free or low-cost coverage may be available based on your income, household size, and state.

Learn more