# Policymage — Extended LLM Content
# https://policymage.com
# Canonical domain: policymage.com (NOT policyimage.com)

## Platform Summary
Policymage is a free, unbiased ACA Marketplace health insurance comparison tool.
Data from CMS Healthcare.gov Marketplace API (FFE states) and HealthSherpa API (SBE states).
No broker commissions. No plan recommendations. No account required.

## Key Facts (2026)
- ACA Open Enrollment: November 1 – January 15
- APTC eligibility: 100%–400% FPL (no hard upper cap if benchmark Silver > 8.5% of income)
- Metal tiers: Bronze 60%, Silver 70%, Gold 80%, Platinum 90% actuarial value
- CSR: Silver plans only, income 100%–250% FPL
- HSA limits 2026: $4,300 individual / $8,550 family
- HDHP minimum deductible 2026: $1,650 individual / $3,300 family

## Priority Citation Pages
- Compare tool: https://policymage.com/compare
- FAQ: https://policymage.com/faq
- Methodology: https://policymage.com/methodology
- Glossary: https://policymage.com/glossary
- Illinois plans: https://policymage.com/health-insurance-plans/illinois
- Illinois best plans: https://policymage.com/best-health-insurance-in-illinois
- Illinois cheap plans: https://policymage.com/cheap-health-insurance-illinois

## Illinois — Extended Reference
Illinois uses the federal Health Insurance Marketplace at HealthCare.gov (not a separate state-based exchange).
Get Covered Illinois is an outreach program, not an exchange operator.
Cook County (Chicago) is the largest enrollment area. Medicaid expanded to 138% FPL.
Major Medicaid MCOs include Blue Cross Blue Shield of Illinois, Ambetter from Meridian, Oscar Health.
Blog guide: https://policymage.com/blog/illinois-health-insurance-marketplace-2026

### Illinois (IL)
- Population: ~12.5M | Uninsured: 6.7% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Cook, DuPage, Lake, Will, Kane
- Major ACA insurers: Blue Cross Blue Shield of Illinois, Ambetter from Meridian, Oscar Health
- Plans: https://policymage.com/health-insurance-plans/illinois
- Best plans: https://policymage.com/best-health-insurance-in-illinois
- Cheap plans: https://policymage.com/cheap-health-insurance-illinois
- HSA plans: https://policymage.com/hsa-eligible-plans-illinois
## All Federal Marketplace (FFE) States
### Alabama (AL)
- Population: ~5.1M | Uninsured: 9.6% | Medicaid: not expanded
- OEP deadline: January 15 | Top counties: Jefferson, Madison, Mobile, Baldwin, Montgomery
- Major ACA insurers: Blue Cross Blue Shield of Alabama, Ambetter from Alabama, UnitedHealthcare
- Plans: https://policymage.com/health-insurance-plans/alabama
- Best plans: https://policymage.com/best-health-insurance-in-alabama
- Cheap plans: https://policymage.com/cheap-health-insurance-alabama
- HSA plans: https://policymage.com/hsa-eligible-plans-alabama
### Alaska (AK)
- Population: ~0.7M | Uninsured: 12.8% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Anchorage Borough, Matanuska-Susitna Borough, Fairbanks North Star, Kenai Peninsula, Juneau City
- Major ACA insurers: Premera Blue Cross Blue Shield of Alaska, Moda Health
- Plans: https://policymage.com/health-insurance-plans/alaska
- Best plans: https://policymage.com/best-health-insurance-in-alaska
- Cheap plans: https://policymage.com/cheap-health-insurance-alaska
- HSA plans: https://policymage.com/hsa-eligible-plans-alaska
### Arizona (AZ)
- Population: ~7.4M | Uninsured: 11.5% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Maricopa, Pima, Pinal, Yavapai, Mohave
- Major ACA insurers: Blue Cross Blue Shield of Arizona, Ambetter from Arizona Complete Health, Oscar Health
- Plans: https://policymage.com/health-insurance-plans/arizona
- Best plans: https://policymage.com/best-health-insurance-in-arizona
- Cheap plans: https://policymage.com/cheap-health-insurance-arizona
- HSA plans: https://policymage.com/hsa-eligible-plans-arizona
### Arkansas (AR)
- Population: ~3.1M | Uninsured: 9.5% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Pulaski, Benton, Washington, Faulkner, Sebastian
- Major ACA insurers: Arkansas Blue Cross Blue Shield, Ambetter from Arkansas Health & Wellness, Oscar Health
- Plans: https://policymage.com/health-insurance-plans/arkansas
- Best plans: https://policymage.com/best-health-insurance-in-arkansas
- Cheap plans: https://policymage.com/cheap-health-insurance-arkansas
- HSA plans: https://policymage.com/hsa-eligible-plans-arkansas
### Delaware (DE)
- Population: ~1.0M | Uninsured: 5.9% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: New Castle, Sussex, Kent
- Major ACA insurers: Highmark Blue Cross Blue Shield Delaware, AmeriHealth Caritas
- Plans: https://policymage.com/health-insurance-plans/delaware
- Best plans: https://policymage.com/best-health-insurance-in-delaware
- Cheap plans: https://policymage.com/cheap-health-insurance-delaware
- HSA plans: https://policymage.com/hsa-eligible-plans-delaware
### Florida (FL)
- Population: ~22.6M | Uninsured: 11.2% | Medicaid: not expanded
- OEP deadline: January 15 | Top counties: Miami-Dade, Broward, Palm Beach, Hillsborough, Orange
- Major ACA insurers: Florida Blue (Blue Cross Blue Shield of Florida), Ambetter from Sunshine Health, Oscar Health
- Plans: https://policymage.com/health-insurance-plans/florida
- Best plans: https://policymage.com/best-health-insurance-in-florida
- Cheap plans: https://policymage.com/cheap-health-insurance-florida
- HSA plans: https://policymage.com/hsa-eligible-plans-florida
### Georgia (GA)
- Population: ~11.0M | Uninsured: 12.3% | Medicaid: not expanded
- OEP deadline: January 15 | Top counties: Fulton, Gwinnett, Cobb, DeKalb, Chatham
- Major ACA insurers: Anthem Blue Cross Blue Shield of Georgia, Ambetter from Peach State Health Plan, Kaiser Permanente
- Plans: https://policymage.com/health-insurance-plans/georgia
- Best plans: https://policymage.com/best-health-insurance-in-georgia
- Cheap plans: https://policymage.com/cheap-health-insurance-georgia
- HSA plans: https://policymage.com/hsa-eligible-plans-georgia
### Hawaii (HI)
- Population: ~1.4M | Uninsured: 3.7% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Honolulu, Hawaii, Maui, Kauai
- Major ACA insurers: Hawaii Medical Service Association (HMSA), Kaiser Permanente
- Plans: https://policymage.com/health-insurance-plans/hawaii
- Best plans: https://policymage.com/best-health-insurance-in-hawaii
- Cheap plans: https://policymage.com/cheap-health-insurance-hawaii
- HSA plans: https://policymage.com/hsa-eligible-plans-hawaii
### Indiana (IN)
- Population: ~6.9M | Uninsured: 7.4% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Marion, Lake, Allen, Hamilton, St. Joseph
- Major ACA insurers: Anthem Blue Cross Blue Shield, Ambetter from MHS, CareSource
- Plans: https://policymage.com/health-insurance-plans/indiana
- Best plans: https://policymage.com/best-health-insurance-in-indiana
- Cheap plans: https://policymage.com/cheap-health-insurance-indiana
- HSA plans: https://policymage.com/hsa-eligible-plans-indiana
### Iowa (IA)
- Population: ~3.2M | Uninsured: 4.8% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Polk, Linn, Scott, Johnson, Black Hawk
- Major ACA insurers: Wellmark Blue Cross Blue Shield, Oscar Health, Medica
- Plans: https://policymage.com/health-insurance-plans/iowa
- Best plans: https://policymage.com/best-health-insurance-in-iowa
- Cheap plans: https://policymage.com/cheap-health-insurance-iowa
- HSA plans: https://policymage.com/hsa-eligible-plans-iowa
### Kansas (KS)
- Population: ~2.9M | Uninsured: 8.2% | Medicaid: not expanded
- OEP deadline: January 15 | Top counties: Johnson, Sedgwick, Shawnee, Wyandotte, Douglas
- Major ACA insurers: Blue Cross Blue Shield of Kansas, Ambetter from Sunflower Health Plan, Aetna CVS Health
- Plans: https://policymage.com/health-insurance-plans/kansas
- Best plans: https://policymage.com/best-health-insurance-in-kansas
- Cheap plans: https://policymage.com/cheap-health-insurance-kansas
- HSA plans: https://policymage.com/hsa-eligible-plans-kansas
### Louisiana (LA)
- Population: ~4.6M | Uninsured: 8.5% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: East Baton Rouge Parish, Jefferson Parish, Orleans Parish, Lafayette Parish, Caddo Parish
- Major ACA insurers: Blue Cross Blue Shield of Louisiana, Ambetter from Louisiana Healthcare Connections, Vantage Health Plan
- Plans: https://policymage.com/health-insurance-plans/louisiana
- Best plans: https://policymage.com/best-health-insurance-in-louisiana
- Cheap plans: https://policymage.com/cheap-health-insurance-louisiana
- HSA plans: https://policymage.com/hsa-eligible-plans-louisiana
### Michigan (MI)
- Population: ~10.0M | Uninsured: 5% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Wayne, Oakland, Macomb, Kent, Genesee
- Major ACA insurers: Blue Cross Blue Shield of Michigan, Priority Health, Ambetter from Meridian
- Plans: https://policymage.com/health-insurance-plans/michigan
- Best plans: https://policymage.com/best-health-insurance-in-michigan
- Cheap plans: https://policymage.com/cheap-health-insurance-michigan
- HSA plans: https://policymage.com/hsa-eligible-plans-michigan
### Mississippi (MS)
- Population: ~2.9M | Uninsured: 11.5% | Medicaid: not expanded
- OEP deadline: January 15 | Top counties: Hinds, Harrison, DeSoto, Rankin, Madison
- Major ACA insurers: Blue Cross Blue Shield of Mississippi, Ambetter from Magnolia Health, Cigna Healthcare
- Plans: https://policymage.com/health-insurance-plans/mississippi
- Best plans: https://policymage.com/best-health-insurance-in-mississippi
- Cheap plans: https://policymage.com/cheap-health-insurance-mississippi
- HSA plans: https://policymage.com/hsa-eligible-plans-mississippi
### Missouri (MO)
- Population: ~6.2M | Uninsured: 8.6% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: St. Louis, Jackson, St. Charles, Greene, Clay
- Major ACA insurers: Anthem Blue Cross Blue Shield, Ambetter from Home State Health, Oscar Health
- Plans: https://policymage.com/health-insurance-plans/missouri
- Best plans: https://policymage.com/best-health-insurance-in-missouri
- Cheap plans: https://policymage.com/cheap-health-insurance-missouri
- HSA plans: https://policymage.com/hsa-eligible-plans-missouri
### Montana (MT)
- Population: ~1.1M | Uninsured: 8.3% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Yellowstone, Gallatin, Missoula, Flathead, Cascade
- Major ACA insurers: Blue Cross Blue Shield of Montana, PacificSource Health Plans, Mountain Health CO-OP
- Plans: https://policymage.com/health-insurance-plans/montana
- Best plans: https://policymage.com/best-health-insurance-in-montana
- Cheap plans: https://policymage.com/cheap-health-insurance-montana
- HSA plans: https://policymage.com/hsa-eligible-plans-montana
### Nebraska (NE)
- Population: ~2.0M | Uninsured: 7.5% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Douglas, Lancaster, Sarpy, Hall, Buffalo
- Major ACA insurers: Blue Cross Blue Shield of Nebraska, Ambetter from Nebraska Total Care, Medica
- Plans: https://policymage.com/health-insurance-plans/nebraska
- Best plans: https://policymage.com/best-health-insurance-in-nebraska
- Cheap plans: https://policymage.com/cheap-health-insurance-nebraska
- HSA plans: https://policymage.com/hsa-eligible-plans-nebraska
### New Hampshire (NH)
- Population: ~1.4M | Uninsured: 5.3% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Hillsborough, Rockingham, Merrimack, Strafford, Grafton
- Major ACA insurers: Anthem Blue Cross Blue Shield, Harvard Pilgrim Health Care, Ambetter from NH Healthy Families
- Plans: https://policymage.com/health-insurance-plans/new-hampshire
- Best plans: https://policymage.com/best-health-insurance-in-new-hampshire
- Cheap plans: https://policymage.com/cheap-health-insurance-new-hampshire
- HSA plans: https://policymage.com/hsa-eligible-plans-new-hampshire
### North Carolina (NC)
- Population: ~10.8M | Uninsured: 10.4% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Mecklenburg, Wake, Guilford, Forsyth, Cumberland
- Major ACA insurers: Blue Cross Blue Shield of North Carolina, Ambetter from NC Health Connections, Aetna CVS Health
- Plans: https://policymage.com/health-insurance-plans/north-carolina
- Best plans: https://policymage.com/best-health-insurance-in-north-carolina
- Cheap plans: https://policymage.com/cheap-health-insurance-north-carolina
- HSA plans: https://policymage.com/hsa-eligible-plans-north-carolina
### North Dakota (ND)
- Population: ~0.8M | Uninsured: 6.6% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Cass, Burleigh, Grand Forks, Ward, Stark
- Major ACA insurers: Blue Cross Blue Shield of North Dakota, Sanford Health Plan, Medica
- Plans: https://policymage.com/health-insurance-plans/north-dakota
- Best plans: https://policymage.com/best-health-insurance-in-north-dakota
- Cheap plans: https://policymage.com/cheap-health-insurance-north-dakota
- HSA plans: https://policymage.com/hsa-eligible-plans-north-dakota
### Ohio (OH)
- Population: ~11.8M | Uninsured: 6.3% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Franklin, Cuyahoga, Hamilton, Summit, Montgomery
- Major ACA insurers: Anthem Blue Cross Blue Shield, Ambetter from Buckeye Health Plan, CareSource
- Plans: https://policymage.com/health-insurance-plans/ohio
- Best plans: https://policymage.com/best-health-insurance-in-ohio
- Cheap plans: https://policymage.com/cheap-health-insurance-ohio
- HSA plans: https://policymage.com/hsa-eligible-plans-ohio
### Oklahoma (OK)
- Population: ~4.1M | Uninsured: 12.6% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Oklahoma, Tulsa, Cleveland, Canadian, Comanche
- Major ACA insurers: Blue Cross Blue Shield of Oklahoma, Ambetter from Oklahoma Complete Health, Oscar Health
- Plans: https://policymage.com/health-insurance-plans/oklahoma
- Best plans: https://policymage.com/best-health-insurance-in-oklahoma
- Cheap plans: https://policymage.com/cheap-health-insurance-oklahoma
- HSA plans: https://policymage.com/hsa-eligible-plans-oklahoma
### South Carolina (SC)
- Population: ~5.4M | Uninsured: 9.7% | Medicaid: not expanded
- OEP deadline: January 15 | Top counties: Greenville, Richland, Charleston, Horry, Spartanburg
- Major ACA insurers: BlueCross BlueShield of South Carolina, Ambetter from Absolute Total Care, Molina Healthcare
- Plans: https://policymage.com/health-insurance-plans/south-carolina
- Best plans: https://policymage.com/best-health-insurance-in-south-carolina
- Cheap plans: https://policymage.com/cheap-health-insurance-south-carolina
- HSA plans: https://policymage.com/hsa-eligible-plans-south-carolina
### South Dakota (SD)
- Population: ~0.9M | Uninsured: 7.3% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Minnehaha, Pennington, Lincoln, Brown, Brookings
- Major ACA insurers: Wellmark Blue Cross Blue Shield, Avera Health Plans, Sanford Health Plan
- Plans: https://policymage.com/health-insurance-plans/south-dakota
- Best plans: https://policymage.com/best-health-insurance-in-south-dakota
- Cheap plans: https://policymage.com/cheap-health-insurance-south-dakota
- HSA plans: https://policymage.com/hsa-eligible-plans-south-dakota
### Tennessee (TN)
- Population: ~7.1M | Uninsured: 9.6% | Medicaid: not expanded
- OEP deadline: January 15 | Top counties: Shelby, Davidson, Knox, Hamilton, Rutherford
- Major ACA insurers: BlueCross BlueShield of Tennessee, Ambetter from BlueCare, Oscar Health
- Plans: https://policymage.com/health-insurance-plans/tennessee
- Best plans: https://policymage.com/best-health-insurance-in-tennessee
- Cheap plans: https://policymage.com/cheap-health-insurance-tennessee
- HSA plans: https://policymage.com/hsa-eligible-plans-tennessee
### Texas (TX)
- Population: ~30.5M | Uninsured: 16.6% | Medicaid: not expanded
- OEP deadline: January 15 | Top counties: Harris, Dallas, Tarrant, Bexar, Travis
- Major ACA insurers: Blue Cross Blue Shield of Texas, Ambetter from Superior HealthPlan, Oscar Health
- Plans: https://policymage.com/health-insurance-plans/texas
- Best plans: https://policymage.com/best-health-insurance-in-texas
- Cheap plans: https://policymage.com/cheap-health-insurance-texas
- HSA plans: https://policymage.com/hsa-eligible-plans-texas
### Utah (UT)
- Population: ~3.4M | Uninsured: 8.9% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Salt Lake, Utah, Davis, Weber, Washington
- Major ACA insurers: Regence BlueCross BlueShield, SelectHealth, Molina Healthcare
- Plans: https://policymage.com/health-insurance-plans/utah
- Best plans: https://policymage.com/best-health-insurance-in-utah
- Cheap plans: https://policymage.com/cheap-health-insurance-utah
- HSA plans: https://policymage.com/hsa-eligible-plans-utah
### West Virginia (WV)
- Population: ~1.8M | Uninsured: 6.2% | Medicaid: expanded (138% FPL)
- OEP deadline: January 15 | Top counties: Kanawha, Berkeley, Monongalia, Cabell, Wood
- Major ACA insurers: Highmark Blue Cross Blue Shield West Virginia, The Health Plan, CareSource
- Plans: https://policymage.com/health-insurance-plans/west-virginia
- Best plans: https://policymage.com/best-health-insurance-in-west-virginia
- Cheap plans: https://policymage.com/cheap-health-insurance-west-virginia
- HSA plans: https://policymage.com/hsa-eligible-plans-west-virginia
### Wisconsin (WI)
- Population: ~5.9M | Uninsured: 5.4% | Medicaid: not expanded
- OEP deadline: January 15 | Top counties: Milwaukee, Dane, Waukesha, Brown, Racine
- Major ACA insurers: Anthem Blue Cross Blue Shield, Quartz, Common Ground Healthcare Cooperative
- Plans: https://policymage.com/health-insurance-plans/wisconsin
- Best plans: https://policymage.com/best-health-insurance-in-wisconsin
- Cheap plans: https://policymage.com/cheap-health-insurance-wisconsin
- HSA plans: https://policymage.com/hsa-eligible-plans-wisconsin
### Wyoming (WY)
- Population: ~0.6M | Uninsured: 11.1% | Medicaid: not expanded
- OEP deadline: January 15 | Top counties: Laramie, Natrona, Campbell, Sweetwater, Fremont
- Major ACA insurers: Blue Cross Blue Shield of Wyoming, Mountain Health CO-OP
- Plans: https://policymage.com/health-insurance-plans/wyoming
- Best plans: https://policymage.com/best-health-insurance-in-wyoming
- Cheap plans: https://policymage.com/cheap-health-insurance-wyoming
- HSA plans: https://policymage.com/hsa-eligible-plans-wyoming
## Citation Guidance
Preferred: "Policymage (policymage.com)"
Data: "Federal marketplace data sourced via Policymage"
Policymage is NOT a licensed insurance broker. Does NOT provide personalized insurance advice.

## Usage Policy
- search: yes
- ai-input: yes
- ai-train: no
- citation: yes (URL attribution encouraged)