Individual health insurance carriers and plan availability by state for 2025

Employers can reimburse employees for their individual health insurance premiums by offering an individual coverage health reimbursement arrangement (ICHRA) or a qualified small employer HRA (QSEHRA). Whether you’re an employer offering an HRA or an employee new to HRAs, you need to know which plans are available for you to enroll in.

See how individual health insurance plan availability differs by state in 2025 with our charts below.

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Understanding your options with an ICHRA or QSEHRA

A stand-alone health reimbursement arrangement (HRA) is an employer-funded health benefit. With it, employers can reimburse their employees for individual health insurance premiums and qualifying out-of-pocket medical expenses tax-free.

Employees need qualifying health coverage to participate in the benefit:

  • For QSEHRA, employees need minimum essential coverage (MEC) to take part in the benefit. Examples of MEC include individual health plans, Medicare, Medicaid, and coverage through a parent’s or spouse’s group plan.
  • For ICHRA, employees need individual health insurance coverage with MEC, such as a Marketplace plan or Medicare.

When an employer offers an ICHRA or QSEHRA to an employee for the first time, this creates a 60-day special enrollment period (SEP) for employees to enroll in coverage. If you give your employees proper notice, employees generally have 60 days before their HRA benefit starts to enroll in a plan.

Otherwise, employees can enroll in an individual plan during the annual Open Enrollment period. This runs from November 1 to January 15 in most states. Outside of Open Enrollment, employees can only enroll if they experience a qualifying life event.

Individual health insurance basics

All plans offered through HealthCare.gov or a state-based exchange meet the federal ACA definition of a qualified health plan (QHP). These plans offer essential health benefits, MEC, and come in four primary types known as the metallic tiers of coverage.

The four metal levels are:

  • Bronze
  • Silver
  • Gold
  • Platinum

Depending on where you live, you may also have access to dental and vision plans on the exchanges.

According to CMS, there are 206 QHP issuers on the federal Marketplace in 2025. Additionally, 97% of enrollees on the federal exchange will be able to choose from three or more plans.

Public marketplaces aren’t your only option, however. You can also get a plan directly from an insurance carrier. This is known as a private exchange (or off-exchange).

In either case, you can enroll in a variety of plan network types, such as:

  • Health maintenance organizations (HMOs): A type of plan that requires members to use a prescribed network of doctors and providers. You coordinate your healthcare through a primary care physician (PCP). These plans typically don’t cover out-of-network care. You generally need to get a referral to see a specialist.
  • Preferred provider organizations (PPOs): This type of plan allows members to use in- and out-of-network providers. However, seeing out-of-network providers will come with higher out-of-pocket costs.
  • Exclusive provider organizations (EPOs): This type of plan requires members to see a specific network of doctors. However, they don’t require a referral to see a specialist.
  • Point of service (POS) plans: With this type of network, members choose a PCP. They need a referral to see a specialist. However, unlike an HMO, out-of-network care is often covered at a higher out-of-pocket cost.

Individual health insurance information by state

States-and-carriers-map-for-ICHRA-PeopleKeep

Alabama

In Alabama, individual health insurance carriers provide a variety of plans to help residents access affordable, quality care. From comprehensive family coverage to individual policies, you can find options that suit your needs and preferences.

Alabama uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Alabama:

Carrier

Exchange type

Number of plans

Network type

Blue Cross and Blue Shield of Alabama

On- and off-exchange

15

EPO

Celtic Insurance Company (Ambetter of Alabama)

On-exchange

17

EPO

UnitedHealthcare of Alabama

On-exchange

13

EPO

Alaska

Alaska’s individual health insurance market offers tailored plans designed to meet the unique challenges of healthcare in the Last Frontier. Explore your options to ensure you’re covered.

Alaska uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Alaska:

Carrier

Exchange type

Network type

Moda Health Plan

On-exchange

PPO, HDHP

Premera Blue Cross Blue Shield of Alaska

On-exchange

EPO, PPO

Arizona

Arizona’s health insurance carriers deliver a mix of flexibility and affordability, making it easier for individuals and families to secure coverage that works for them.

Arizona uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Arizona:

Carrier

Exchange type

Network type

Available Counties

Arizona Complete Health (Ambetter)

On- and off-exchange

HMO

Coconino, Maricopa, Gila, Pinal, Pima, Santa Cruz, Cochise, Graham, Greenlee

Banner Health and Aetna Health Plan, Inc.

On and off-exchange

HMO

Coconino, Yuma, Maricopa, Gila, Pinal, Pima, Cochise

Blue Cross and Blue Shield of Arizona

On- and off-exchange

HMO, PPO

Apache, Coconino, Navajo, Mohave, Yavapai, La Paz, Yuma, Maricopa, Gila, Pinal, Pima, Santa Cruz, Cochise, Graham, Greenlee

Cigna HealthCare of Arizona

On- and off-exchange

HMO

Yavapai, Maricopa 

Health Net of Arizona (includes Ambetter)

On-exchange and off-exchange

HMO

 

Imperial Insurance Companies

On-exchange

HMO

Yavapai, Yuma, Maricopa, Gila, Pinal, Pima, Santa Cruz

Oscar Health Plan

On-exchange

HMO

Maricopa, Pinal, Pima, Santa Cruz

UnitedHealthcare of Arizona

On- and off-exchange

HMO

Mohave, La Paz, Maricopa, Gila, Pinal, Pima

Antidote Health Plan of Arizona

On- and off-exchange

HMO

 

Arkansas

With individual health insurance carriers in Arkansas, residents have access to a range of plans to keep healthcare simple and accessible. Whether you're looking for basic coverage or comprehensive options, there’s something for everyone.

Arkansas has a state-based exchange on the federal platform at HealthCare.gov.

Individual health insurance carriers available in Arkansas:

Carrier

Exchange type

Network type

Celtic Insurance Company (Ambetter)

On-exchange

EPO, PPO

HMO Partners, Inc. (Health Advantage)

On-exchange

HMO

QCA Health Plan, Inc. (QualChoice)

On-exchange

PPO

QualChoice Life & Health Insurance Company (Ambetter)

On-exchange

PPO

USAble HMO, Inc. (Octave Blue Cross and Blue Shield)

On-exchange

HMO

USAble Mutual Insurance Company

On-exchange

HMO

California

California employees have access to a diverse range of individual health insurance carriers and plans. Understanding your options is the first step to finding the right fit for your healthcare needs, whether you're seeking comprehensive plans or tailored coverage.

California has a state-based exchange called Covered California.

Individual health insurance carriers available in California:

Carrier

Exchange type

Network type

Counties

Aetna Health of California

On- and off-exchange

HMO

Alameda, Contra Costa, El Dorado, Fresno, Kings, Madera, Placer, Sacramento, Yolo

Blue Cross of California (Anthem)

On- and off-exchange

HMO, EPO

Alameda, Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, Del Norte, El Dorado, Fresno, Glenn, Humboldt, Imperial, Inyo, Kern, Kings, Lake, Lassen, Los Angeles, Madera, Marin, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Napa, Nevada, Orange, Placer, Plumas, Riverside, Sacramento, San Benito, San Bernardino, San Diego, San Francisco, San Joaquin, San Luis Obispo, San Meteo, Santa Barbara, Santa Clara, Santa Cruz, Shasta, Sierra, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tehama, Trinity, Tulare, Tuolumne, Ventura, Yolo, Yuba

CA Physician’s Service (Blue Shield of CA)

On- and off-exchange

HMO, PPO, HDHP

Alameda, Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, Del Norte, El Dorado, Fresno, Glenn, Humboldt, Imperial, Inyo, Kern, Kings, Lake, Lassen, Los Angeles, Madera, Marin, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Napa, Nevada, Orange, Placer, Plumas, Riverside, Sacramento, San Benito, San Bernardino, San Diego, San Francisco, San Joaquin, San Luis Obispo, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Shasta, Sierra, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tehama, Trinity, Tulare, Tuolumne, Ventura, Yolo, Yuba

Chinese Community Health Plan

On- and off-exchange

PPO, HMO, HDHP

San Francisco, San Mateo

County of Santa Clara

On-exchange

HMO

Santa Clara

Health Net of California (Ambetter)

On- and off-exchange

PPO

Imperial, Kern, Los Angeles, Orange, Placer, Riverside, Sacramento, San Bernardino, San Diego, Yolo

Inland Empire Health Plan

On-exchange

HMO

Riverside, San Bernardino

Kaiser Foundation Health Plan

On- and off-exchange

HMO

Alameda, Amador, Contra Costa, El Dorado, Fresno, Imperial, Kern, Kings, Los Angeles, Madera, Marin, Mariposa, Monterey, Napa, Orange, Placer, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Stanislaus, Sutter, Tulare, Vetura, Yolo,Yuba

Local Initiative Health Authority for Los Angeles County

On-exchange

 

Los Angeles

Molina Healthcare of California

On-exchange

HMO

Imperial, Los Angeles, Marin, Orange, Riverside, San Bernardino, San Diego

Sharp Health Plan

On-exchange

HMO

San Diego

Sutter Health Plan

Off-exchange

HMO

Sacramento

Western Health Advantage

On- and off-exchange

HMO

El Dorado, Napa, Placer, Sacramento, Solano, Sonoma, Yolo

Colorado

With plenty of carriers to choose from in Colorado, it’s easy to find coverage that supports your lifestyle and well-being.

Colorado has a state-based exchange called Connect for Health Colorado.

Individual health insurance carriers available in Colorado:

Carrier

Exchange type

Network type

Counties served

Anthem Blue Cross Blue Shield

On-exchange

 

Adams, Alamosa, Arapahoe, Archuleta, Baca, Bent, Boulder, Broomfield, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Delta, Denver, Dolores, Douglas, Eagle, El Paso, Elbert, Fremont, Garfield, Gilpin, Grand, Gunnison, Hinsdale, Huerfano, Jackson, Jefferson, Kiowa, Kit Carson, La Plata, Lake, Larimer, Las Animas, Lincoln, Logan, Mesa, Mineral, Moffat, Montezuma, Montrose, Morgan, Otero, Ouray, Park, Phillips, Pitkin, Prowers, Pueblo, Rio Blanco, Rio Grande, Routt, Saguache, San Juan, San Miguel, Sedgwick, Summit, Teller, Washington, Weld, Yuma

Cigna Health and Life Insurance Company

On-exchange

EPO

Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Jefferson, Larimer, Teller, Weld

Denver Health Medical Plan (Elevate)

On-exchange

   

HMO Colorado

On- and off-exchange

HMO

 

Kaiser Foundation Health Plan of Colorado

On- and off-exchange

HMO

 

Rocky Mountain HMO (UnitedHealthcare)

On- and off-exchange

HMO

 

SelectHealth

On-exchange

EPO

Adams, Arapahoe, Boulder, Broomfield, Clear Creek, Delta, Denver, Douglas, El Paso, Elbert, Gilpin, Jefferson, Larimer, Mesa, Park, Pueblo, Routt, Teller, Weld

Connecticut

Connecticut’s individual health insurance carriers offer a variety of plans designed to provide reliable coverage for residents across the state.

Connecticut has a state-based exchange called Access Health CT.

Individual health insurance carriers available in Connecticut:

Carrier

Exchange type

Network type

Anthem Health Plans

On- and off-exchange

HMO, PPO

ConnectiCare Benefits

On-exchange

POS

ConnectiCare Insurance Company

On- and off-exchange

POS

ConnectiCare Inc

Off-exchange

HMO, POS

Delaware

Delaware’s individual health insurance carriers make it easy for residents to find coverage that fits their needs.

Delaware uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Delaware:

Carrier

Exchange type

Network type

Aetna Health

On-exchange

HMO

AmeriHealth Caritas VIP Next, Inc.

On-exchange

HMO

Celtic Insurance Company (Ambetter Health of Delaware)

On-exchange

HMO

Highmark Blue Cross Blue Shield

On-exchange

PPO

District of Columbia

In Washington, D.C., individual health insurance carriers provide a range of options tailored to the needs of the district’s diverse community.

D.C. has an exchange called DC Health Link.

Individual health insurance carriers available in Washington, D.C.:

Carrier

Exchange type

Network type

CareFirst BlueChoice

On-exchange

HMO, PPO, POS

Group Hospitalization and Medical Services, Inc. (GHMSI), operating as CareFirst BlueCross BlueShield

On-exchange

 

Kaiser Foundation Health Plan of the Mid-Atlantic States

On-exchange

HMO

Florida

Whether you’re seeking coverage for yourself or your family, carriers across Florida offer flexible options to meet your healthcare needs.

Florida uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Florida:

Carrier

Exchange type

Network type

Aetna Health

On- and off-exchange

HMO

AmeriHealth Caritas Florida

On-exchange

HMO

AvMed, Inc

On- and off-exchange

HMO

Blue Cross and Blue Shield of Florida

On- and off-exchange

EPO, HMO, PPO

Capital Health Plan

On-exchange

HMO

Celtic Insurance Company (Ambetter)

Off-exchange

EPO, PPO

Cigna Health and Life Insurance Company

On-exchange

EPO

Florida Health Care Plan

On- and off-exchange

HMO, POS, HDHP

Health First Commercial Plans

On-exchange

HMO

Health Options

On- and off-exchange

 

Molina Healthcare of Florida

On-exchange

HMO

Oscar Insurance Company of Florida

On-exchange

EPO

Sunshine State Health Plan (Ambetter)

On-exchange

 

UnitedHealthcare of Florida

On-exchange

HMO

Georgia

Georgia’s individual health insurance carriers provide plans that combine affordability with comprehensive benefits.

Georgia has a state-based exchange called Georgia Access.

Individual health insurance carriers available in Georgia:

Carrier

Exchange type

Network type

Aetna Health

On-exchange

HMO

Alliant Health Plans

On-exchange

HMO, PPO

Ambetter of Peach State

On-exchange

EPO

AMGP Georgia Managed Care Company (Anthem Blue Cross and Blue Shield)

On-exchange

HMO

Anthem Blue Cross and Blue Shield

On-exchange

HMO

CareSource Georgia

On-exchange

HMO

Cigna HealthCare of Georgia

On-exchange

HMO

Kaiser Foundation Health Plan of Georgia

On- and off-exchange

HMO

Oscar Health Plan of Georgia

On-exchange

HMO

UnitedHealthcare of Georgia

On-exchange

 

Hawaii

Hawaii’s individual health insurance carriers offer plans that reflect the state’s commitment to community well-being. With options for residents across the Hawaiian islands, finding quality coverage that fits your lifestyle is accessible.

Hawaii uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Hawaii:

Carrier

Exchange type

Network type

Hawaii Medical Service Association

On-exchange

PPO

Kaiser Foundation Health Plan

On- and off-exchange

HMO

Idaho

Idaho’s individual health insurance carriers provide a variety of plans designed to meet the needs of residents across the Gem State.

Idaho has a state-based exchange called Your Health Idaho.

Individual health insurance carriers available in Idaho:

Carrier

Exchange type

Network type

Blue Cross of Idaho Health Service

On-exchange

HMO, PPO

Moda Health Plan

On-exchange

POS

Molina Healthcare of Utah

On-exchange

HMO

Montana Health Cooperative

On-exchange

 

PacificSource Health Plans

On-exchange

PPO, HMO

Regence Blue Shield of Idaho

On-exchange

POS

SelectHealth

On-exchange

 

St. Luke’s Health Plan

On-exchange

 

Illinois

Illinois residents have access to individual health insurance plans that prioritize quality and affordability. Explore your options to find the coverage that’s right for you.

Illinois uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Illinois:

Carrier

Exchange type

Network type

Aetna Health 

On-exchange

HMO

Aetna Life Insurance Company

On-exchange

HMO

Blue Cross Blue Shield of Illinois

On-exchange

 

Celtic Insurance Company (Ambetter)

On-exchange

 

Health Alliance Medical Plans

On-exchange

HMO, POS

MercyCare HMO

On-exchange

HMO

Molina Healthcare of Illinois

On-exchange

HMO

Oscar Health Plan

On-exchange

HMO

Quartz Health Benefit Plans Corporation

On-exchange

 

UnitedHealthcare of Illinois

On-exchange

HMO

Indiana

Indiana’s individual health insurance carriers offer a range of plans to support residents’ diverse healthcare needs. Whether you’re looking for basic coverage or comprehensive benefits, there are options to fit your lifestyle and budget.

Indiana uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Indiana:

Carrier

Exchange type

Network type

Aetna Health

On-exchange

HMO

Anthem Insurance Companies

On-exchange

HMO, POS

CareSource Indiana

On-exchange

HMO

Celtic Insurance Company (Ambetter)

Off-exchange

 

Cigna Health and Life Insurance Company

On-exchange

EPO

Iowa

Iowa’s individual health insurance carriers provide a variety of plans designed to support residents’ access to quality care. With options that cater to different needs and budgets, finding the right coverage in the Hawkeye State is simple.

Iowa uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Iowa:

Carrier

Exchange type

Network type

Medica Insurance Company

On-exchange

 

Oscar Insurance Company

On-exchange

EPO

Wellmark Health Plan of Iowa

On-exchange

 

Kansas

Kansas’ individual health insurance carriers offer plans tailored to meet the unique needs of residents across the Sunflower State.

Kansas uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Kansas:

Carrier

Exchange type

Network type

Aetna Life Insurance Company

On-exchange

EPO

Blue Cross and Blue Shield of Kansas City

On-exchange

EPO

Blue Cross and Blue Shield of Kansas

On-exchange

EPO

Celtic Insurance Company (Ambetter)

On- and off-exchange

 

Medica Insurance Company

On-exchange

 

Oscar Insurance Company

On-exchange

EPO

UnitedHealthcare Insurance Company

On-exchange

EPO

Kentucky

Kentucky’s individual health insurance carriers provide a variety of plans to meet the needs of residents throughout the Bluegrass State.

Kentucky has a state-based exchange called Kynect.

Individual health insurance carriers available in Kentucky:

Carrier

Exchange type

Network type

Anthem Health Plans of Kentucky

On-exchange

HMO

CareSource Kentucky

On-exchange

 

Molina Healthcare of Kentucky

On-exchange

HMO

WellCare Health Plans of Kentucky (Ambetter)

On-exchange

 

Louisiana

Louisiana’s individual health insurance carriers offer a range of plans designed to support the unique needs of residents across the Pelican State.

Louisiana uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Louisiana:

Carrier

Exchange type

Network type

Ambetter Health of Louisiana

On-exchange

 

CHRISTUS Health Plan Louisiana

On-exchange

 

HMO Louisiana

On-exchange

POS

Louisiana Health Service & Indemnity Company

On-exchange

 

UnitedHealthcare Insurance Company

On-exchange

EPO

Maine

Maine’s individual health insurance carriers provide plans designed to meet the needs of residents across the Pine Tree State. 

Maine has a state-based exchange called CoverME.

Individual health insurance carriers available in Maine:

Carrier

Exchange type

Network type

Anthem Health Plans of ME

On- and off-exchange

HMO, PPO

Harvard Pilgrim Health Care

On- and off-exchange

 

HPHC Insurance Company

Off-exchange

PPO

Maine Community Health Options

On- and off-exchange

 

Taro Health Plan of Maine

On-exchange

HMO

Maryland

Maryland’s individual health insurance carriers offer a variety of plans tailored to meet the needs of residents throughout the Free State.

Maryland has a state-based exchange called Maryland Health Connection.

Individual health insurance carriers available in Maryland:

Carrier

Exchange type

Network type

Aetna Health

On-exchange

HMO

CareFirst BlueChoice

On-exchange

 

CareFirst of Maryland

On-exchange

 

GHMSI

On-exchange

 

Kaiser Foundation Health Plan of the Mid-Atlantic States

On- and off-exchange

HMO

Optimum Choice

On-exchange

HMO

Massachusetts

Massachusetts’ individual health insurance carriers provide a wide range of plans to meet the state’s strong commitment to accessible healthcare. Whether you need comprehensive benefits or a plan that fits your budget, you’ll find options that align with your needs in the Bay State.

Massachusetts has a state-based exchange called Massachusetts Health Connector.

Individual health insurance carriers available in Massachusetts:

Carrier

Exchange type

Network type

Blue Cross and Blue Shield of Massachusetts HMO Blue

On- and off-exchange

HMO, PPO

Boston Medical Center Health Plan

On-exchange

 

Fallon Community Health Plan

On-exchange

 

Harvard Pilgrim Health Care

On- and off-exchange

HMO, PPO

Health New England

On- and off-exchange

 

Mass General Brigham Health Plan

On- and off-exchange

HMO, PPO

Tufts Health Public Plans

On-exchange

 

UnitedHealthcare Insurance Company

Off-exchange

 

Michigan

Michigan’s individual health insurance carriers offer diverse plans to meet the needs of residents across the Great Lakes State. From comprehensive coverage to budget-conscious options, you can find a plan that fits your lifestyle and healthcare priorities.

Michigan uses the federal Marketplace at HealthCare.gov.

Individual health insurance carriers available in Michigan:

Carrier

Exchange type

Network type

Alliance Health and Life Insurance Company

Off-exchange

 

Blue Care Network of Michigan

On-exchange

 

Blue Cross Blue Shield of Michigan Mutual Insurance Company

On-exchange

 

Health Alliance Plan (HAP)

Off-exchange

HMO

McLaren Health Plan Community

On-exchange

 

Meridian Health Plan of Michigan (Ambetter)

On- and off-exchange

 

Molina Healthcare of Michigan

On-exchange

HMO

Oscar Insurance Company

On-exchange

 

Physicians Health Plan

On-exchange

 

Priority Health

On-exchange

HMO

UnitedHealthcare Community Plan

On-exchange

 

Minnesota

Minnesota’s individual health insurance carriers provide a variety of plans designed to support the health and well-being of residents across the North Star State.

Minnesota has a state-based exchange called MNsure.

Individual health insurance carriers available in Minnesota:

Carrier

Exchange type

HealthPartners, Inc.

On- and off-exchange

HMO Minnesota (Blue Plus)

On-exchange

Medica Insurance Company

On- and off-exchange

Quartz Health Plan MN

On-exchange

UCare Minnesota

On-exchange

 

Mississippi

Mississippi’s individual health insurance carriers offer plans tailored to meet the diverse needs of residents across the Magnolia State.

Mississippi uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Mississippi:

Carrier

Exchange type

Network type

Ambetter of Magnolia

On-exchange

 

Blue Cross & Blue Shield of Mississippi

Off-exchange

 

Cigna Health and Life Insurance Company

On-exchange

EPO

Molina Healthcare of Mississippi

On-exchange

HMO

Primewell Health Services of Mississippi

On-exchange

 

UnitedHealthcare of Mississippi

On-exchange

 

 

Missouri

Missouri’s individual health insurance carriers provide a range of plans to support residents across the Show-Me State.

Missouri uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Missouri:

Carrier

Exchange type

Network type

Aetna Life Insurance Company

On-exchange

EPO

Blue Cross and Blue Shield of Kansas City

On-exchange

EPO

Celtic Insurance Company (Ambetter)

On-exchange

 

Cox Health Systems Insurance Company

On-exchange

EPO

Healthy Alliance Life Co (Anthem)

On-exchange

EPO

Medica Central Insurance Company

On-exchange

EPO

Medica Insurance Company

On-exchange

 

Oscar Insurance Company

On-exchange

EPO

UnitedHealthcare Insurance Company

On-exchange

EPO

 

Montana

Montana’s individual health insurance carriers offer plans designed to meet the needs of residents across Big Sky Country. Whether you’re looking for basic coverage or comprehensive benefits, there are options to help you stay protected and healthy.

Montana uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Montana:

Carrier

Exchange type

Network type

Blue Cross and Blue Shield of Montana

On-exchange

PPO, POS

Montana Health Cooperative

On-exchange

 

PacificSource Health Plans

On-exchange

PPO

 

Nebraska

Nebraska’s individual health insurance carriers provide a variety of plans to meet the needs of residents across the Cornhusker State. From affordable options to comprehensive coverage, you’ll find plans designed to fit your lifestyle and budget.

Nebraska uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Nebraska:

Carrier

Exchange type

Blue Cross and Blue Shield of Nebraska

On-exchange

Medica Insurance Company

On-exchange

Nebraska Total Care

On-exchange

Oscar Insurance Company

On-exchange

 

Nevada

Nevada’s individual health insurance carriers offer a range of plans to meet the diverse needs of residents across the Silver State.

Nevada has a state-based exchange called Nevada Health Link.

Individual health insurance carriers available in Nevada:

Carrier

Exchange type

Network type

Aetna Health of Utah

On-exchange

HMO

Health Plan of Nevada

On-exchange

 

HMO Colorado (HMO Nevada)

On-exchange

EPO, HMO

Hometown Health Plan

On- and off-exchange

 

Hometown Health Providers Insurance Company

Off-exchange

PPO

Imperial Insurance Companies

On-exchange

 

Molina Healthcare of Nevada

On-exchange

HMO

Rocky Mountain Hospital and Medical Service (Anthem)

Off-exchange

PPO

SelectHealth

On-exchange

 

Sierra Health and Life Insurance Company

Off-exchange

EPO

SilverSummit Healthplan (Ambetter)

On- or off-exchange

 

 

New Hampshire

New Hampshire’s individual health insurance carriers provide plans designed to support the healthcare needs of residents across the Granite State.

New Hampshire uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in New Hampshire:

Carrier

Exchange type

Network type

Anthem Health Plans of NH

Off-exchange

EPO

Celtic Insurance Company (Ambetter)

On- and off-exchange

 

Harvard Pilgrim Health Care of NE

On- and off-exchange

HMO

Matthew Thornton Health Plan (Anthem)

On- and off-exchange

HMO

 

New Jersey

New Jersey’s individual health insurance carriers offer a variety of plans to meet the healthcare needs of residents across the Garden State.

New Jersey has a state-based exchange called Get Covered NJ.

Individual health insurance carriers available in New Jersey:

Carrier

Exchange type

Network type

Aetna Life Insurance Company

On-exchange

EPO

AmeriHealth HMO

Off-exchange

HMO

AmeriHealth Insurance Company of New Jersey

On-exchange

 

Horizon Healthcare Services

On-exchange

 

UnitedHealthcare Insurance Company

On-exchange

EPO

WellCare Health Insurance Company of New Jersey (Ambetter)

On-exchange

 

 

New Mexico

New Mexico’s individual health insurance carriers provide a range of plans designed to meet the diverse needs of residents across the Land of Enchantment.

New Mexico has a state-based exchange called BeWellNM.

Individual health insurance carriers available in New Mexico:

Carrier

Exchange type

Network type

Blue Cross Blue Shield of New Mexico

On-exchange

HMO

Molina Healthcare of New Mexico

On-exchange

HMO

Presbyterian Health Plan

On-exchange

HMO

UnitedHealthcare of New Mexico

On-exchange

HMO

 

New York

New York’s individual health insurance market offers a wealth of options to keep you covered.

New York has a state-based exchange called New York State of Health. 

Individual health insurance carriers available in New York:

Carrier

Exchange type

Network type

Aetna Life Insurance Company

Off-exchange

EPO

Anthem HP

On-exchange

HMO

Capital District Physicians Health Plan

On-exchange

HMO

Excellus Health Plan

On-exchange

EPO

Health Insurance Plan of Greater New York

On- and off-exchange

 

Healthfirst PHSP

On-exchange

HMO

Highmark Western and Northeastern New York

On-exchange

EPO

Independent Health Benefits Corporation

On-exchange

 

MetroPlus Health Plan

On-exchange

 

MVP Health Plan

On-exchange

 

New York Quality Healthcare Corporation

On-exchange

 

Oscar Insurance Company

On-exchange

EPO

UnitedHealthcare of New York

On-exchange

 

 

North Carolina

North Carolina’s individual health insurance carriers offer a variety of plans tailored to meet the needs of residents across the Tar Heel State. From budget-friendly options to comprehensive coverage, there’s something to help everyone stay protected and healthy.

North Carolina uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in North Carolina:

Carrier

Exchange type

Network type

Aetna Health 

On-exchange

HMO

Ambetter of North Carolina

On-exchange

 

AmeriHealth Caritas North Carolina

On-exchange

HMO

Blue Cross and Blue Shield of NC

On-exchange

 

CareSource North Carolina

On-exchange

 

Celtic Insurance Company (Ambetter)

On-exchange

PPO

Cigna HealthCare of North Carolina

On-exchange

HMO

Oscar Health Plan of North Carolina

On-exchange

HMO

UnitedHealthcare of North Carolina

On-exchange

 

 

North Dakota

North Dakota’s individual health insurance carriers provide plans designed to meet the healthcare needs of residents across the Peace Garden State.

North Dakota uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in North Dakota:

Carrier

Exchange type

Network type

Blue Cross Blue Shield of North Dakota

On- and off-exchange

 

Medica Health Plans

On-exchange

 

Sanford Health Plan

On-exchange

HMO, PPO

 

Ohio

Ohio’s individual health insurance carriers offer a variety of plans to support the needs of residents across the Buckeye State.

Ohio uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Ohio:

Carrier

Exchange type

Network type

Aetna Health

On-exchange

HMO

AultCare Insurance Company

On-exchange

 

Buckeye Community Health Plan (Ambetter)

On-exchange

 

CareSource Ohio

On-exchange

HMO

Community Insurance Company (Anthem)

On-exchange

HMO

Medical Health Insuring Corp. of Ohio

On- and off-exchange

HMO

Molina Healthcare of Ohio

On-exchange

HMO

Oscar Buckeye State Insurance Corp.

On-exchange

 

Oscar Insurance Corporation of Ohio

On-exchange

 

Paramount Insurance Company

On-exchange

 

Summa Insurance Company

On-exchange

HMO

The Health Plan of West Virginia

Off-exchange

 

UnitedHealthcare of Ohio

On-exchange

 

 

Oklahoma

Oklahoma’s individual health insurance carriers provide a range of plans tailored to meet the needs of residents across the Sooner State.

Oklahoma uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Oklahoma:

Carrier

Exchange type

Network type

Blue Cross Blue Shield of Oklahoma

On-exchange

 

Celtic Insurance Company (Ambetter)

On-exchange

 

CommunityCare HMO

On-exchange

 

Medica Insurance Company

On-exchange

 

Oscar Insurance Company

On-exchange

PPO

Taro Health Plan of Oklahoma

On-exchange

HMO

UnitedHealthcare of Oklahoma

On-exchange

 

 

Oregon

Oregon’s individual health insurance carriers offer a variety of plans designed to meet the diverse needs of residents across the Beaver State.

Oregon has a state-based exchange on the federal marketplace at HealthCare.gov.

Individual health insurance carriers available in Oregon:

Carrier

Exchange type

Network type

Counties

BridgeSpan Health Company

On-exchange

EPO

Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Washington, Wheeler, Yamhill

Kaiser Foundation Healthplan of the Northwest

On-exchange

HMO

Benton, Clackamas, Columbia, Hood River, Lane, Linn, Marion, Multnomah, Polk, Washington, Yamhill

Moda Health Plan

On-exchange

 

Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Washington, Wheeler, Yamhill

PacificSource Health Plans

On-exchange

PPO

Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Washington, Wheeler, Yamhill

Providence Health Plan

On- and off-exchange

 

Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Washington, Wheeler, Yamhill

Regence BlueCross BlueShield of Oregon

On-exchange

EPO

Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Washington, Wheeler, Yamhill

 

Pennsylvania

Pennsylvania’s individual health insurance carriers provide a wide range of plans to meet the needs of residents across the Keystone State.

Pennsylvania has a state-based exchange called Pennie.

Individual health insurance carriers available in Pennsylvania:

Carrier

Exchange type

Network type

Capital Advantage Assurance Company

On-exchange

PPO

Geisinger Health Plan

On-exchange

 

Geisinger Quality Options

On-exchange

PPO

Health Partners of Philadelphia

On-exchange

 

Highmark Benefits Group

On-exchange

PPO, HDHP

Highmark Coverage Advantage

On-exchange

EPO

Highmark Inc.

On-exchange

EPO, PPO

Independence Blue Cross

On- and off-exchange

EPO, PPO

Keystone Health Plan Central

Off-exchange

HMO

Keystone Health Plan East

On- and off-exchange

 

Oscar Health Plan of Pennsylvania

On-exchange

HMO

Pennsylvania Health & Wellness (Ambetter)

On- and off-exchange

 

UPMC Health Coverage

On-exchange

HMO

UPMC Health Options

On-exchange

EPO, PPO

 

Rhode Island

Rhode Island’s individual health insurance carriers offer a variety of plans designed to meet the needs of residents across the Ocean State.

Rhode Island has a state-based exchange called HealthSource RI.

Individual health insurance carriers available in Rhode Island:

Carrier

Exchange type

Blue Cross & Blue Shield of Rhode Island

On- and off-exchange

Neighborhood Health Plan of Rhode Island

On-exchange

 

South Carolina

South Carolina’s individual health insurance carriers provide a range of plans to meet the needs of residents across the Palmetto State.

South Carolina uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in South Carolina:

Carrier

Exchange type

Network type

Absolute Total Care (Ambetter)

On-exchange

 

Blue Cross and Blue Shield of South Carolina

On- and off-exchange

 

BlueChoice HealthPlan of South Carolina

Off-exchange

 

Molina Healthcare of South Carolina

On-exchange

HMO

Select Health of South Carolina

On-exchange

HMO

UnitedHealthcare of South Carolina

On-exchange

HMO

 

South Dakota

South Dakota’s individual health insurance carriers offer a variety of plans tailored to meet the needs of residents across the Mount Rushmore State.

South Dakota uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in South Dakota:

Carrier

Exchange type

Network type

Avera Health Plans

On-exchange

 

Sanford Health Plan

On-exchange

HMO, PPO

Wellmark of South Dakota

On-exchange

 

 

Tennessee

Tennessee’s individual health insurance carriers provide a wide range of plans to meet the diverse needs of residents across the Volunteer State.

Tennessee uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Tennessee:

Carrier

Exchange type

Network type

BlueCross BlueShield of Tennessee

On-exchange

 

Celtic Insurance Company (Ambetter)

On- and off-exchange

 

Cigna Health and Life Insurance Company

On-exchange

EPO

Oscar Insurance Company

On-exchange

 

UnitedHealthcare Insurance Company

On-exchange

EPO

 

Texas

Texas’ individual health insurance carriers offer a broad selection of plans to meet the needs of residents across the Lone Star State. Whether you’re seeking affordable options or comprehensive coverage, you’ll find plans designed to fit your lifestyle and healthcare priorities.

Texas uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Texas:

Carrier

Exchange type

Network type

Aetna Health

On- and off-exchange

HMO

Baylor Scott & White Insurance Company

Off-exchange

EPO

Blue Cross Blue Shield of Texas

On-exchange

HMO, POS

Celtic Insurance Company (Ambetter)

On- and off-exchange

 

CHRISTUS Health Plan

On-exchange

 

Cigna HealthCare of Texas

On-exchange

HMO

Community First Insurance Plans

On-exchange

 

Community Health Choice

On-exchange

 

Imperial Insurance Companies

On-exchange

 

Moda Health Plan

On-exchange

 

Molina Healthcare of Texas

On-exchange

HMO

Oscar Insurance Company

On-exchange

 

Scott and White Health Plan

On- and off-exchange

 

Sendero Health Plans

On-exchange

 

Superior Health Plan (Ambetter)

On-exchange

 

UnitedHealthcare of Texas

On-exchange

HMO

 

Utah

Utah’s individual health insurance carriers provide a variety of plans to meet the needs of residents across the Beehive State.

Utah uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Utah:

Carrier

Exchange type

Network type

Aetna Health of Utah

On-exchange

HMO

BridgeSpan Health Company

On-exchange

HMO

Imperial Health Plan of the Southwest

On-exchange

 

Molina Healthcare of Utah

On-exchange

HMO

Regence BlueCross BlueShield of Utah

On-exchange

EPO

SelectHealth

On-exchange

 

University of Utah Health Insurance Plans

On-exchange

EPO

 

Vermont

Vermont’s individual health insurance carriers offer a range of plans designed to meet the healthcare needs of residents across the Green Mountain State.

Vermont has a state-based exchange called Vermont Health Connect.

Individual health insurance carriers available in Vermont:

Carrier

Exchange type

Network type

Blue Cross Blue Shield of Vermont

On-exchange

EPO

MVP Health Plan

On-exchange

HMO

 

Virginia

Virginia’s individual health insurance carriers provide a wide array of plans to meet the needs of residents across the Old Dominion.

Virginia has a state-based exchange called Virginia’s Insurance Marketplace.

Individual health insurance carriers available in Virginia:

Carrier

Exchange type

Network type

Aetna Health 

On-exchange

HMO

Anthem Health Plans of Virginia

Off-exchange

EPO

CareFirst BlueChoice

On-exchange

 

Cigna Health and Life Insurance Company

On-exchange

EPO

Group Hospitalization and Medical Services

On-exchange

 

HealthKeepers

On- and off-exchange

HMO, POS

Innovation Health Plan

On-exchange

HMO

Kaiser Foundation Health Plan of the Mid-Atlantic States

On- and off-exchange

HMO

Optimum Choice

On-exchange

HMO

Oscar Insurance Company

On-exchange

EPO

Sentara Health Plans

On- and off-exchange

 

 

Washington

Washington’s individual health insurance carriers offer a variety of plans tailored to meet the needs of residents across the Evergreen State.

Washington has a state-based exchange called Washington Healthplanfinder.

Individual health insurance carriers available in Washington:

Carrier

Exchange type

Network type

Counties

Asuris Northwest Health

Off-exchange

EPO

Adams, Asotin, Benton, Chelan, Columbia, Douglas, Ferry, Franklin, Garfield, Grant, Kittitas, Lincoln, Okanogan, Pend Oreille, Spokane, Stevens, Walla Walla, Whitman

BridgeSpan Health Company

On-exchange

EPO

Benton, Clark, Columbia, Franklin, King, Kitsap, Klickitat, Pierce, Skagit, Snohomish, Spokane, Thurston, Walla Walla, Yakima

Community Health Plan of Washington

On-exchange

 

Adams, Asotin, Benton, Chelan, Clallam, Columbia, Douglas, Ferry, Franklin, Grant, Jefferson, King, Kitsap, Kittitas, Lewis, Mason, Okanogan, Pierce, Snohomish, Spokane, Stevens, Thurston, Walla Walla, Whitman, Yakima

Coordinated Care Corporation (Ambetter)

On-exchange

 

Adams, Asotin, Benton, Chelan, Clallam, Clark, Columbia, Cowlitz, Douglas, Ferry, Franklin, Garfield, Grant, Grays Harbor, Island, Jefferson, King, Kitsap, Kittitas, Klickitat, Lewis, Lincoln, Mason, Okanogan, Pacific, Pend Oreille, Pierce, San Juan, Skagit, Skamania, Snohomish, Spokane, Stevens, Thurston, Wahkiakum, Walla Walla, Whatcom, Whitman, Yakima

Kaiser Foundation Health Plan of Washington (Group Health Cooperative)

On-exchange

 

Benton, Columbia, Franklin, Island, King, Kitsap, Lewis, Mason, Pierce, Skagit, Snohomish, Spokane, Thurston, Walla Walla, Whatcom, Whitman, Yakima

Kaiser Foundation Healthplan of the NW

On- and off-exchange

 

Clark, Cowlitz

LifeWise Health Plan of WA

On-exchange

EPO

Adams, Asotin, Benton, Chelan, Clark, Columbia, Cowlitz, Douglas, Ferry, Garfield, Grant, Grays Harbor, Island, King, Kittitas, Klickitat, Lewis, Lincoln, Okanogan, Pend Oreille, Pierce, San Juan, Skagit, Skamania, Snohomish, Spokane, Stevens, Thurston, Wahkiakum, Walla Walla, Whatcom, Whitman, Yakima

Molina Healthcare of Washington

On-exchange

HMO

Benton, Clark, Cowlitz, Ferry, Franklin, King, Kitsap, Klickitat, Lewis, Lincoln, Mason, Pend Oreille, Pierce, Skamania, Snohomish, Spokane, Stevens, Thurston

Premera Blue Cross

On-exchange

EPO

Franklin, Grays Harbor, King, Kitsap, Pacific, Pierce, Spokane, Yakima

Providence Health Plan

Off-exchange

 

Benton, Clark, Franklin, Spokane, Thurston, Walla Walla

Regence BlueCross BlueShield of Oregon

On- and off-exchange

EPO

Clark

Regence BlueShield

On- and off-exchange

EPO

Clallam, Columbia, Cowlitz, Grays Harbor, Island, Jefferson, King, Kitsap, Klickitat, Lewis, Mason, Pacific, Pierce, San Juan, Skagit, Skamania, Snohomish, Thurston, Wahkiakum, Walla Walla, Whatcom, Yakima

UnitedHealthcare of Oregon

On-exchange

EPO

Adams, Clallam, Jefferson, King, Kittitas, Lincoln, Mason, Pierce, Whitman, Yakima

West Virginia

West Virginia’s individual health insurance carriers provide a range of plans to meet the needs of residents across the Mountain State.

West Virginia uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in West Virginia:

Carrier

Exchange type

Network type

CareSource West Virginia

On-exchange

 

Highmark Blue Cross Blue Shield West Virginia

On-exchange

PPO

The Health Plan of West Virginia

Off-exchange

 

 

Wisconsin

Wisconsin’s individual health insurance carriers offer a variety of plans designed to meet the needs of residents across the Badger State.

Wisconsin uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Wisconsin:

Carrier

Exchange type

Network type

Aspirus Health Plan

On-exchange

HMO, POS

Chorus Community Health Plans

On-exchange

 

Common Ground Healthcare Cooperative

On- and off-exchange

EPO

Compcare Health Service Insurance Company (Anthem BCBS)

On-exchange

HMO, POS

Dean Health Plan

On-exchange

EPO, HMO

Group Health Cooperative of South Central Wisconsin

On-exchange

HMO

HealthPartners Insurance Company

On- and off-exchange

 

Medica Community Health Plan

On-exchange

 

MercyCare HMO

On-exchange

HMO

Molina Healthcare of Wisconsin

On-exchange

HMO

Network Health Plan

On-exchange

HMO

Quartz Health Benefit Plans Corporation 

On-exchange

 

Security Health Plan of Wisconsin

On-exchange

 

UnitedHealthcare of Wisconsin

On-exchange

HMO

Wisconsin Physicians Service Insurance Company

Off-exchange

PPO

 

Wyoming

Wyoming’s individual health insurance carriers provide a range of plans tailored to meet the needs of residents across the Cowboy State.

Wyoming uses the federal Marketplace at HealthCare.gov. 

Individual health insurance carriers available in Wyoming:

Carrier

Exchange type

Blue Cross Blue Shield of Wyoming

On- and off-exchange

Montana Health Cooperative

On-exchange

 

All data was compiled from HealthCare.gov’s rate review site and state insurance departments.

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