Is Policymage free to use?

Yes. Policymage is completely free. We display available plans based on your input and never charge for access.

Does Policymage recommend plans?

No. We do not recommend, rank, or suggest any specific plan. Plans are displayed based on your input criteria only. Policymage is not a licensed insurance broker or agent.

Where does the plan data come from?

Plan data is sourced directly from the federal CMS Marketplace API (Healthcare.gov) for most states, and from HealthSherpa for state-based exchange states like California and New York. Data is refreshed daily.

Is my personal information safe?

We do not sell your personal data. ZIP code, age, and income information you enter is used only to fetch and display relevant plans. Full household details are stored only in your browser's session storage and never sent to our servers in identifiable form.

Can I enroll in a plan through Policymage?

Policymage is a comparison tool only. To enroll, you will be directed to the official HealthCare.gov marketplace or your state's exchange website. We do not process enrollments.

What is the ACA open enrollment period?

ACA open enrollment runs from November 1 through January 15 each year. Outside this window, you can only enroll if you have a qualifying life event (job loss, marriage, birth of a child, move) that triggers a Special Enrollment Period (SEP).

How do I qualify for a health insurance subsidy?

If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you likely qualify for an Advance Premium Tax Credit (APTC) that directly reduces your monthly premium. Some households qualify for $0/month Silver plans. Enter your income in the compare tool to see your estimated subsidy.

What is the difference between Bronze, Silver, Gold, and Platinum plans?

Health insurance plans are categorized by metal tier based on how costs are split between you and the insurer. Bronze plans cover about 60% of costs (lowest premium, highest cost-sharing). Silver covers 70%, Gold 80%, and Platinum 90% (highest premium, lowest cost-sharing). Silver plans are also the only tier eligible for Cost-Sharing Reductions (CSR) if your income qualifies.

What is the difference between an HMO and a PPO?

An HMO (Health Maintenance Organization) requires you to choose a primary care doctor and get referrals to see specialists. Coverage is limited to in-network providers. A PPO (Preferred Provider Organization) allows you to see any doctor without a referral, though costs are lower in-network. HMOs typically have lower premiums; PPOs offer more flexibility.

Does Policymage work for all 50 states?

Yes. Policymage covers all 50 US states and Washington DC. States that use HealthCare.gov (like Texas, Florida, and Ohio) are served via the federal marketplace API. States with their own exchanges (like California's Covered California, New York's NY State of Health, and Washington's Healthplanfinder) are served via HealthSherpa.

What is an HSA-eligible health insurance plan?

An HSA-eligible plan is a High-Deductible Health Plan (HDHP) that qualifies you to open a Health Savings Account (HSA). HSAs let you save pre-tax dollars to pay for qualified medical expenses, reducing your taxable income. In 2025, you can contribute up to $4,300 (individual) or $8,550 (family) to an HSA.

How accurate are the premiums shown on Policymage?

Premiums shown on state overview pages are benchmark estimates for a 30-year-old non-smoker without subsidies, sourced directly from federal marketplace data. When you use the personalized compare tool with your actual age, household size, and income, the premiums shown reflect your specific situation including any APTC subsidy reduction.

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