About QHP Index, and where every figure comes from

This site reproduces what the Centers for Medicare & Medicaid Services publishes about the health plans sold on HealthCare.gov, arranged by the county you live in. It sells nothing, it is paid by nobody, and it cannot enrol you.

What it is not

• Not affiliated with HealthCare.gov, CMS, or any insurance company. Nobody here is connected to the federal marketplace or to any insurer, and nothing on this site is endorsed by them.
• Not an insurance agent or broker. We are not licensed to sell insurance, we cannot enrol you, and there is no quoting tool or application form anywhere on this site — deliberately.
• Not a complete list of your options. It covers the individual medical plans in the CMS landscape file. Dental-only plans, catastrophic eligibility, Medicaid and CHIP are not here, and whether you qualify for any of them depends on facts this site does not know about you.
• Not advice. It is a reproduction of a public file. To see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596, free, 24 hours a day.

The 30 states, and the 21 that are missing

CMS publishes one machine-readable file covering every plan sold through HealthCare.gov. That is 30 states and 2,055 counties — about two thirds of everyone who buys marketplace coverage, because Texas and Florida are among them.

The other 21 states run their own exchange and publish nothing equivalent: California posts its county rates as a PDF, and most publish nothing at all. This site does not guess at them. Each has a page naming its marketplace and linking to it, which is the only honest thing to put there.

Where the figures come from

• Plans, premiums, deductibles and cost sharing — the Qualified Health Plan landscape file for the individual medical market, published by CMS at data.healthcare.gov. One row per plan per county: 97,082 of them this year.
• What people actually paid — the CMS open-enrollment county-level public use file, which reports, per county, how many people enrolled, the average premium, and the average premium after the advance premium tax credit.

Both are works of the United States federal government and are in the public domain. Neither required a key, a login or an agreement.

The rules this site follows

• An absent figure is shown as absent, never as zero. CMS withholds a county figure when too few people are behind it to publish safely, and marks it with an asterisk. Read as zero, that would say nobody in the county bought a Platinum plan — a different claim, and a false one. Those cells say “not published”.
• Nothing is calculated. Every premium, deductible and copay on this site is reproduced from the file. Where a page shows a share or a difference, it says so and shows the figures it came from.
• A copay keeps its condition. CMS writes things like “$500 Copay after deductible”. Reduced to “$500” that promises a $500 emergency room to someone who owes a $9,000 deductible first, so the whole phrase is printed as written.
• The premium is per county. A marketplace plan is priced per rating area, so the same plan can cost different amounts in neighbouring counties. No page here shows one price for a plan sold in many.

When you can actually enrol

Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.

If something here is wrong, tell us and we will fix it or remove it — see contact.