How HealthCare.gov works and who uses it
HealthCare.gov is the federal Health Insurance Marketplace, run by the Centers for Medicare & Medicaid Services (CMS). It serves residents of the roughly 26 states that don’t run their own exchange, handling eligibility, subsidies, plan shopping, and enrollment in one place.
HealthCare.gov checks whether you qualify for a premium tax credit or Medicaid, shows the plans available in your ZIP, and processes your enrollment and any income changes. It also runs a call center and supports certified agents and brokers who can enroll you at no cost.
About 26 states use HealthCare.gov directly. A few more — Arkansas, Oregon, and Oklahoma — run their own “state-based marketplace on the federal platform” (SBM-FP), meaning the state oversees the marketplace but enrollment still happens through HealthCare.gov. Oregon is moving to its own platform for 2027 and Oklahoma for 2028.
You can enroll yourself on HealthCare.gov, but a licensed advisor can do it with you for the same price — comparing every plan, applying your subsidy correctly, checking your doctors and drugs, and handling the paperwork. It’s the same premium either way, with an expert in your corner.
Free licensed guidance in 5 languages — or quote yourself online.
Each of these states left HealthCare.gov and built its own exchange, with its own website, deadlines and rules. Tap your state for its full coverage guide. Oregon joins the list for 2027 plans (confirmed under SB 972).
Covered California
Connect for Health Colorado
Access Health CT
DC Health Link
Georgia Access
Your Health Idaho
Get Covered Illinois
kynect
CoverME.gov
Maryland Health Connection
Massachusetts Health Connector
MNsure
Nevada Health Link
Get Covered New Jersey
beWellnm
NY State of Health
Pennie
HealthSource RI
Vermont Health Connect
Virginia's Insurance Marketplace
Washington Healthplanfinder
Everyone else enrolls through HealthCare.gov (a few states run their own marketplace on the federal platform). Wherever you live, our licensed agents quote and enroll you on the right system — free, in 5 languages: 561-339-0727.
HealthCare.gov is the federal ACA Marketplace run by CMS for private health plans. It is separate from Medicare. NovaVida Group is a private, independent agency and is not affiliated with HealthCare.gov, CMS, or any government agency.
No. Your premium is set by the carrier and is identical whether you enroll on your own or through a licensed agent — agents are paid by the carriers, so their help comes at no added cost to you.