Lucie Health Marketplace

Compare plan costs like a boss

Prices and subsidy savings depend on the plan type and location. Select your state to see average premiums, typical savings, and even how many people choose each type of plan.

  • Approved HealthCare.gov enrollment platform

  • 90% qualify for savings¹

  • Save $550/month on average¹

  • No pressure to enroll

  • Bronze

    Monthly subsidy savings
    $
    Monthly premium (after subsidy)
    $
    % of people with this plan
    %

  • Silver

    Monthly subsidy savings
    $
    Monthly premium (after subsidy)
    $
    % of people with this plan
    %

  • Gold

    Monthly subsidy savings
    $
    Monthly premium (after subsidy)
    $
    % of people with this plan
    %

  • Platinum

    Monthly subsidy savings
    $
    Monthly premium (after subsidy)
    $
    % of people with this plan
    %
Find my plan
Values displayed by this tool are from data generated by CMS and reflect 2026 Marketplace health plans purchased in each state. The values returned are averages based on the plans purchased by consumers of each selected state: subsidy and premium values vary based on factors such as ZIP code, age, household size, and income.

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Frequently asked questions

What are metal tiers and why do they matter?

Plans are categorized into metal tiers. This describes how costs are split between you and the insurance plan. They don’t reflect quality of care, only how you pay for it. Here’s the breakdown:
  • Bronze plans: Expect lower monthly premiums with higher deductibles and out-of-pocket costs. These are best if you want a low monthly payment and expect to use little care.
  • Silver plans: Expect moderate premiums and out-of-pocket costs. These plans are the only ones that qualify for cost-sharing reduction subsidies. This can significantly lower deductibles and copays.
  • Gold plans: Expect higher monthly premiums and lower out-of-pocket costs. They’re often a better fit if you expect to get regular care.
  • Platinum plans: Expect the highest premiums and lowest out-of-pocket costs. These are best if you expect frequent or expensive care.

Which metal tier is best for me?

There’s no “best” metal tier. It depends on how you use your coverage. Lucie’s tools can help you sort through options by showing how different plans work.
In some cases, a lower-premium plan paired with certain services can be more cost-effective than paying for a higher-tier plan you won’t fully use.
In other cases, a higher-tier plan could make more sense. This may be true if you expect ongoing care or want more cost predictability.

How have the income limits for ACA premium subsidies changed?

90% of people qualify for some form of financial help through the Affordable Care Act. Here are the different types of subsidies:
  • Premium tax credits: These lower your monthly insurance premium. You qualify based on income, household size, and location.
  • Cost-sharing reductions (CSRs): This type of discount lowers deductibles, copays, and out-of-pocket costs. It’s for eligible households who enroll in certain Silver plans.
  • State-based assistance may be available in some states to further reduce costs.
Lucie helps you understand subsidies. It’ll also explain how they interact with different plan types. That way, you can see what you save on premiums, but how costs add up over the year.
See all FAQs.

Knowledge is powerful

Health benefits jargon is confusing. Check out these articles to up your knowledge and confidence.

Footnotes

1 CMS Open Enrollment 2025 report

You are now being directed to the Lucie platform to shop for plans.

If you enroll in a plan, your servicing agent is Stephanie Espino with Trove Group.