Official state routes for plan year 2027
Use the correct official Marketplace first. Then compare the actual plans offered for your ZIP code, household, and plan year.
Start with a private, practical next step
Use the route verifier for a direct official link. Oregon moves to its own enrollment platform for 2027 coverage; other states may use HealthCare.gov or a state platform.
Choose a state to find its official individual Marketplace route for plan year 2027. CMS lists 27 federally facilitated states, 2 state-based Marketplaces using the federal platform, and 22 fully state-based Marketplaces for plan year 2027.
The route matters because Marketplace savings are determined only through the official Marketplace serving the applicant's state. Plan menus remain ZIP-code, county, household, and plan-year specific.
All 50 states and DC
These classifications are based on the CMS plan year 2027 map, last checked September 25, 2026.
Practical next step
Health insurance Marketplace by state is most useful when the household, location, plan year, and enrollment route are defined. Keep the exact plan name or program, official source, date checked, and any unresolved question together.
Compare costs, provider access, prescriptions, coverage rules, and protection limits before acting. Confirm eligibility and enrollment through the responsible official or authorized channel.
Verification record
General information becomes actionable only after it is matched to the same household, address, enrollment route, and plan year. Keep unknown values visible instead of filling them with estimates.
Record the legal issuer or responsible program, full plan or arrangement name, plan ID when available, service area, effective dates, and official source. Similar product names can use different networks, formularies, costs, or coverage rules.
Use the same expected services, prescriptions, provider needs, and household facts for each option. Put premium, employer contribution or tax credit, deductible, copays, coinsurance, prescription cost, and the in-network out-of-pocket limit on the same annual basis.
Save the Summary of Benefits and Coverage, policy documents, provider directory, formulary, source URL, date checked, and unresolved questions. Confirm eligibility, enrollment, provider participation, and time-sensitive rules through the responsible Marketplace, employer, insurer, provider, pharmacy, or qualified professional before acting.
Verification links