We’ll match you with every ACA plan available at your ZIP code.
Plans are displayed based on input. No recommendations are provided. Policymage is not a licensed insurance broker or agent.
We’ll match you with every ACA plan available at your ZIP code.
Plans are displayed based on input. No recommendations are provided. Policymage is not a licensed insurance broker or agent.
Comparing health insurance plans means weighing monthly premium against deductible, out-of-pocket maximum, provider network, and expected medical use — not just picking the lowest sticker price. Policymage lets you compare ACA Marketplace plans in three steps: enter your ZIP code, add household members and ages, then enter income for personalized APTC subsidy estimates. Select up to 3 plans for a side-by-side comparison on 20+ data points.
Last updated: June 18, 2026 · Source: CMS Marketplace API
The Advance Premium Tax Credit (APTC) lowers your monthly premium based on household income and size. If you earn between 100% and 400% of the Federal Poverty Level, you likely qualify for significant savings. Many households pay $0–$50/month for Silver plans after subsidies. Cost-Sharing Reductions (CSR) on Silver plans further lower deductibles and copays for incomes between 100%–250% FPL. Enter your income in the compare tool to see your actual cost.
Bronze has the lowest premium and highest deductible — best if you are healthy and rarely use care. Silver is the benchmark for subsidy calculations and the only tier eligible for CSR reductions. Gold suits frequent doctor visits or prescriptions. Platinum has the highest premium but lowest out-of-pocket costs.
See state-specific plans: Illinois · Glossary · Methodology
Visit policymage.com/compare, enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans from the federal CMS API and HealthSherpa, calculates subsidies, and lets you compare up to 3 plans side-by-side. No account or broker required.
ACA Marketplace plans cover Essential Health Benefits, cannot deny pre-existing conditions, and qualify for APTC subsidies. Short-term plans sold outside the Marketplace lack these protections. Policymage compares only ACA-compliant Marketplace plans.
Yes. Policymage shows every ACA plan available in your ZIP code from all participating insurers — Blue Cross, Ambetter, Oscar, Aetna, and others — with transparent premium and benefit data.
Premiums come directly from the CMS Marketplace API and HealthSherpa. Subsidy estimates use your entered income and household size. Final premiums are confirmed when you enroll at HealthCare.gov or your state exchange.
No. Policymage is completely free with no sign-up. Your ZIP, age, and income stay in your browser and are used only to fetch plan data.
