Ranked for you · No phone number, ever
A quote engine that fights for you.
Three health plans, ranked for your interest — with the reasoning, and how we're paid on each one. It shows you its pay stub to prove whose side it's on.
Your Hero Shortlist
Ranked for you · No phone number, everWhat happens next
01
See your shortlist
Three plans ranked for your interest — with the reasoning and how we're paid on each. Ungated, no phone number.
02
Keep your hero
Save it to your free MedicalRecords.com account and the Insurance Engine re-shops for you every year.
03
One advocate for the whole coverage life
The same account that holds your records and bills. When a denial arrives someday, the Appeals Engine already knows your plan.
Curious how a ranking can be trusted? See how we rank — and how we're paid →
New here?
Learn the three numbers before you pick
Premium, deductible, and out-of-pocket maximum decide what a plan really costs — in a normal year and a bad one. Our plain-English guide shows you how to weigh them, then hands you back to your shortlist.
Common questions
Do you ask for my phone number?
No. There is no phone field anywhere on this site, and no name or email is required to see your shortlist. You get all three plans, the reasoning, and how we're paid on each — ungated.
How can a ranking be trusted if you earn a commission?
The engine that ranks your plans has no access to the table of who pays us. It sorts by fit for you — real monthly cost after subsidy, normal-year total, bad-year cap, doctors in network, drugs covered. Only after the order is locked do we look up which plans pay a commission and print it on each one. Unpaid plans, including the direct marketplace option, are never dropped or demoted.
Will I get a premium subsidy in 2026?
It depends on your income, household size, and state. For the 2026 plan year the enhanced premium tax credits expired and the 400% federal-poverty-level subsidy cliff returned, so households above 400% FPL receive no premium tax credit in 2026. Your shortlist estimates cost after any subsidy, but eligibility is determined by HealthCare.gov or your state marketplace.
What's the difference between the plans you show?
Mostly premium, deductible, and out-of-pocket maximum — the three numbers that decide what a plan really costs in a normal year versus a bad year. Our plain-English guide walks through how to weigh them for your situation.
Is this the official Health Insurance Marketplace?
No. HealthQuoteHero is not a government website and is not affiliated with HealthCare.gov or any state marketplace. We help you compare and understand plans first; you enroll through the official marketplace or directly with the carrier.
Do you keep my data?
No. The site keeps nothing. If you choose to save your shortlist, it lives in your free MedicalRecords.com account — the same account that holds your records and bills — so the Insurance Engine can re-shop for you each year.
Sources: HealthCare.gov; KFF, What We Know So Far About 2026 ACA Marketplace Enrollment, Premiums, and Deductibles. General information, not financial or medical advice. Last reviewed: 2026.
Understand it before you buy it
Real 2026 numbers and plain-English guides — no phone number, ever.
Health insurance by state →
The real 2026 benchmark premium in all 51 states, with a best-value shortlist for each.
Metal tiers explained →
Bronze vs Silver vs Gold vs Platinum — what each covers and who it fits.
Premium vs deductible vs OOP max →
The three numbers that decide what a plan really costs in a year.
When you can enroll →
Open Enrollment, Special Enrollment, and the 60-day clock that catches people out.
More honest tools from the network
Free doors that lead home to MedicalRecords.com.
Breakaway Insurance
Losing coverage after a layoff, move to freelance, turning 26, or divorce? Get a dated plan and an honest COBRA-vs-marketplace verdict.
Visit →America's Quotes
See the real 2026 benchmark premium and the carriers that actually sell in your state — before anyone tries to sell you anything.
Visit →Health Insurance Magic
Translate any confusing insurance term with a dollar example, or take a short guided path to your first plan.
Visit →