Open Enrollment for 2027 is open now
What will health insurance cost you in 2027?
See the savings you may qualify for in about 60 seconds, then compare plans with a licensed agent. No obligation.
- About 60 seconds
- No obligation
- Licensed agents
How it works
- 1
Answer a few questions
ZIP, household, income. No documents, no account.
- 2
See your estimate
We show what the tax-credit rules say a household like yours may pay, before we ask for anything personal.
- 3
Talk to a licensed agent
A licensed agent walks you through the plans and exact prices in your area. You decide, with no obligation.
Good to know before you shop
Is this HealthCare.gov or a government site?
No. This is not a government health insurance marketplace, and this website is not endorsed by or affiliated with the government. Health Rate Check is run by Mueller Holdings Ltd., a private party. You can always shop on your own at HealthCare.gov or your state's exchange.
How are agents paid?
Licensed agents are generally paid by the insurance companies whose plans they sell. You're never obligated to enroll in anything, and we are paid for connecting you with an agent.
Who will contact me?
A licensed insurance agent working with Ulti Brands, LLC (see our marketing partners). They can explain your options and help you enroll if you choose to. We are paid for connecting you.
How is my estimate worked out?
Premium tax credits are set by federal rules that cap what a household pays for the benchmark Silver plan as a share of income: for 2027, from 2.15% to 10.22% of income, for households between 100% and 400% of the federal poverty level (IRS Rev. Proc. 2026-26). We use your household size, your state, and your income range with the 2026 poverty guidelines to show that cap. It's an estimate, not a quote: actual prices, plans, and whether you qualify depend on your full situation, and an agent can confirm them.
When can I enroll?
Open Enrollment for 2027 coverage started November 1, 2026 and runs into January in most states (Idaho ends December 15 and Vermont December 28). Deadlines for coverage that starts January 1 fall between mid and late December depending on your state, and an agent can confirm yours. Outside Open Enrollment you may still be able to enroll after certain life events, like losing other coverage, moving, marriage, or having a baby.
