Texas has the highest uninsured rate in the country and still hasn't expanded Medicaid. What your options actually look like.
Florida has the biggest marketplace in the U.S. by enrollment. Plans, carriers, costs, and how subsidies work here.
Georgia runs its own exchange, Georgia Access, and has a limited Medicaid program instead of full expansion. What changed and how to pick a plan.
North Carolina expanded Medicaid in 2024. Your options now include both Medicaid and marketplace plans depending on income.
Tennessee hasn't expanded Medicaid, leaving a coverage gap for some residents. How to find the cheapest marketplace plans.
Ohio expanded Medicaid and has a competitive marketplace. A walkthrough of plans, costs, and subsidies in the state.
South Carolina hasn't expanded Medicaid, leaving about 65,000 residents in a coverage gap. How to find the best marketplace plan.
Virginia expanded Medicaid in 2019 and runs its own exchange at marketplace.virginia.gov. How to compare plans and subsidies.
Missouri expanded Medicaid by ballot initiative in 2021. Eight carriers and competitive pricing in St. Louis and Kansas City.
Arizona expanded Medicaid early and has a competitive marketplace on HealthCare.gov. How to compare plans, costs, and subsidies.
Indiana's Healthy Indiana Plan has a unique HSA-like structure. How it fits with marketplace plans and subsidies.
Pennsylvania runs its own exchange (Pennie) with 14 carriers. Medicaid expanded in 2015 with adult dental coverage.
Michigan expanded Medicaid through the Healthy Michigan Plan. How to compare marketplace plans and subsidies.
Alabama hasn't expanded Medicaid, and BCBS holds 90%+ market share. How to find the cheapest marketplace plans.
Alaska has the highest premiums in the country but a reinsurance program that helps. One marketplace carrier and higher FPL guidelines.
Arkansas expanded Medicaid through a unique private option that puts enrollees on marketplace plans. How it works alongside regular marketplace plans.
Delaware expanded Medicaid in 2014. Two carriers offer marketplace plans for a small state with strong hospital systems.
Hawaii has the lowest uninsured rate in the nation thanks to its 1974 Prepaid Health Care Act. Two carriers dominate the marketplace.
Illinois now runs its own exchange, Get Covered Illinois, with strong carrier competition in Chicago but fewer options downstate.
Iowa expanded Medicaid through the Iowa Health and Wellness Plan. Three carriers compete after nearly collapsing to one in 2018.
Kansas has not expanded Medicaid, leaving a coverage gap. Three carriers offer marketplace plans with BCBS dominating most counties.
Louisiana was the first Deep South state to expand Medicaid in 2016, covering 500,000+ residents. Marketplace options for everyone else.
Mississippi has not expanded Medicaid and has the highest uninsured rate among expansion-eligible states. Two carriers serve the marketplace.
Montana expanded Medicaid in 2016 and has two marketplace carriers serving a vast, rural state with frontier healthcare challenges.
Nebraska expanded Medicaid by ballot initiative in 2020. Three carriers offer marketplace plans with Medica as the dominant insurer.
New Hampshire expanded Medicaid in 2014. Two carriers offer marketplace plans in a state with historically low uninsured rates.
North Dakota expanded Medicaid in 2014. Two carriers serve a small, rural marketplace with unique oil-patch economy dynamics.
Oklahoma expanded Medicaid by ballot initiative in 2021. Three carriers compete on the marketplace with BCBS holding the largest share.
Oregon left HealthCare.gov for 2027 and now runs its own exchange, Explore Health. What changed and how to pick a plan.
South Dakota has not expanded Medicaid, leaving a coverage gap. Two carriers serve a rural marketplace with limited competition.
Utah expanded Medicaid by ballot initiative in 2020. Four carriers compete on the marketplace with SelectHealth as the dominant insurer.
West Virginia expanded Medicaid in 2014, covering a state with significant health challenges. Two carriers serve the marketplace.
Wisconsin covers adults up to 100% FPL via BadgerCare Plus but didn't formally expand Medicaid. How marketplace plans cover everyone above that line.
Wyoming has not expanded Medicaid and has some of the highest premiums in the country. Two carriers serve the marketplace.
Ask Nora. She can answer most of these questions directly.