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Your State's Healthcare Exchange

If you got your health insurance through a state healthcare exchange or through Healthcare.gov, your insurance is ACA coverage. That means it complies with the protections and benefits established under the Affordable Care Act, such as covering pre-existing conditions, essential health benefits, and offering financial assistance for eligible individuals and families.

Below is a list of states with their own healthcare exchange websites. If your state is not listed, Healthcare.gov is where you would have signed up for coverage if your employer doesn’t provide insurance.

States with Their Own Healthcare Exchange Links


What If My State Isn't Listed?
If your state isn’t listed above, Healthcare.gov is where you would have purchased your ACA-compliant plan. Healthcare.gov serves as the federal marketplace for states that do not have their own exchange, ensuring all Americans have access to affordable health insurance.

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What Happens to Marketplace Insurance if the ACA is Repealed?

Millions of Americans rely on ACA healthcare marketplaces like Healthcare.gov and state exchanges to access affordable, high-quality health insurance. But what happens if the ACA is repealed? Here’s what you need to know:

Millions Could Lose Coverage

The ACA created the healthcare marketplaces to ensure access to affordable insurance for people without employer-provided coverage. If the ACA is repealed:

  • The marketplaces would shut down: Anyone currently enrolled would lose their coverage.
  • No replacement system exists: Most people who depend on the ACA for coverage would have no affordable alternative.

Pre-existing Conditions Would Be a Problem Again

Before the ACA, insurers could deny coverage or charge higher premiums for pre-existing conditions. Without the ACA:

  • Conditions like diabetes, cancer, asthma—even pregnancy or past surgeries—could lead to outright denial of coverage.
  • Millions of Americans with chronic conditions would face skyrocketing costs or no coverage at all.
    • Medicaid Expansion Would Be Rolled Back

    The ACA expanded Medicaid to cover more low-income individuals. If the ACA is repealed:

  • Millions of low-income adults who gained Medicaid coverage would lose it.
  • In states that didn’t expand Medicaid, families already struggling to access coverage would have even fewer options.
    • Subsidies Would Disappear

    The ACA provides subsidies to help cover the cost of insurance premiums for people with low or middle incomes. Without these subsidies:

  • Premiums could more than double for most enrollees.
  • Many families who depend on this financial assistance would no longer be able to afford coverage.
    • Essential Health Benefits Could Be Lost

    Under the ACA, all marketplace plans must cover essential health benefits, such as:

  • Prescriptions
  • Maternity Care
  • Mental Health Services
  • Preventive care like vaccines and cancer screenings

    If the ACA is repealed, insurers would no longer be required to cover these benefits. Plans could become cheaper but would offer less comprehensive coverage. 
    • Rising Costs for Everyone

    The ACA was designed to stabilize insurance markets and control costs. Repealing it would create chaos:

  • Premiums would increase for everyone, even those with employer-sponsored insurance.
  • Insurance companies might exit certain markets, leaving some areas without any coverage options 

    • What Does This Mean For You?

    If you currently get your insurance through an ACA marketplace, your plan is at risk if the ACA is repealed. Protections for pre-existing conditions, subsidies that make premiums affordable, and comprehensive coverage could all disappear—leaving millions without affordable options for healthcare

    What Can I Do?

    Stay Informed and Take Action

    Your voice matters! Here are a few ways you can stay informed and make your concerns heard at the state, local, and federal levels:

    Know What’s Happening in Congress

    Legislation affecting the ACA or healthcare often starts in Congress. Stay informed by:

    • Visiting Congress.gov: This official site provides updates on proposed bills, their status, and voting records.
    • Setting up Google Alerts for terms like "ACA repeal" or "healthcare legislation" to stay updated on news and debates.
    • Following your representatives’ social media accounts for updates on healthcare-related issues they’re discussing or supporting.

    Get Involved Locally

    Get Involved Locally

    State governments also play a crucial role in implementing healthcare policy, such as Medicaid expansion.

    • Check your state legislature's website for upcoming bills or hearings related to healthcare.
    • Join local advocacy groups or attend town hall meetings to learn more about how state policies might affect you and your neighbors.

    Contact Your Representatives

    Elected officials need to hear from their constituents. Here’s how to make your voice count:

    • Find Your Representatives: Use GovTrack.us or Common Cause to locate contact information for your U.S. senators, representatives, and state officials.
    • Call or Write:
      • Be clear and concise. Mention the specific issue (e.g., "I oppose the repeal of the ACA") and explain how it affects you personally.
      • Phone calls are often more impactful than emails.
    • Attend Town Halls: Representatives often host town halls to meet with constituents. Use these opportunities to ask questions or express your concerns.

    Advocate and Spread Awareness

    • Share Information: Use social media, email, or word of mouth to share resources and updates with friends, family, and your community.
    • Join Advocacy Groups: Organizations like Protect Our Care and Families USA provide tools to advocate for healthcare policies and keep you informed.

    Vote

    The officials you elect directly influence healthcare policy. Make your voice heard by:

    • Registering to vote at vote.org.
    • Researching candidates’ healthcare platforms to ensure they align with your values.

    By taking these steps, you can help protect access to affordable healthcare and make a meaningful difference in shaping the policies that affect all Americans.