Marketplace plans

Woman outside on a hill with her dog.

Health insurance affordability programs



Also referred to as the Exchange, Marketplace is a website ( where individuals can compare plans and purchase health insurance. Marketplace plans are great for individuals and families that are eligible for discounts or financial subsidies. These discounts may include:

Tax credits  

Tax credits lower the monthly premium you pay for health coverage and are more available than ever due to the 2021 American Rescue Plan act. Depending on your household income level, these credits can pay for a considerable amount of your premium. You can use your tax credit on most Marketplace plans.

Cost sharing reductions

  • Lower the amount you pay on health care services. 
  • Cost-sharing reduction is only available on silver plans. There are three levels of cost sharing reduction based on income brackets:
    • 100–150 percent of FPL
    • 151–200 percent of FPL
    • 201–250 percent of FPL

2021 plan year Federal Poverty Level guidelines

Household size
Percentage of Federal Poverty level

1 person$12,880
2 people$17,420
3 people
4 people
Coverage informationMay qualify for
cost-sharing reductions
and advanced
premium tax credits
May qualify for
cost-sharing reductions
and advanced
premium tax credits 
May qualify for advanced
premium tax credits 

Check out the Health Insurance Marketplace Calculator to find out if you're eligible for financial help

Quality star ratings

Health Maintenance (HMO) plans

Star rating

Overall star rating
Overall star rating is based on the categories below.

Member experience
Based on member satisfaction surveys about their health care, doctors and ease of getting appointments and services.

Medical care
Based on providers improving or maintaining the health of their patients with regular screenings, tests, vaccines and condition monitoring.

Plan administration
Based on how well a plan is run, including customer service, access to needed information and providers ordering appropriate tests and treatment.

Plan quality ratings and enrollee survey results are calculated by CMS using data provided by health plans in 2019. The ratings are being displayed for health plans for the 2020 plan year. Learn more about these ratings