Article · Life & health insurance
Which States Run Their Own Health Insurance Marketplace?
See which states run their own ACA marketplace and which use HealthCare.gov, based on 2026 listings, with a link to each state.
Key takeaways
- Each state has one official health insurance marketplace. Some states run their own, and many use HealthCare.gov.
- A few states run a state-based marketplace on the federal platform, so residents still enroll through HealthCare.gov.
- Marketplace types can change from year to year. Oregon and Oklahoma are both changing.
- State marketplaces can set their own enrollment dates, so confirm yours on its website.
The short answer
Each state has one official health insurance marketplace. Some states run their own, a few run a state-based marketplace on the federal platform, and the rest use HealthCare.gov, which the federal government runs.
State by state
- Runs its own marketplace
- State-based marketplace on the federal platform
- Uses HealthCare.gov
Runs its own marketplace (22)
Residents enroll on the state's own website, which can set its own enrollment dates.
- California: Covered California
- Colorado: Connect for Health Colorado
- Connecticut: Access Health CT
- District of Columbia: DC Health Link
- Georgia: Georgia Access
- Idaho: Your Health Idaho
- Illinois: Get Covered Illinois
- Kentucky: kynect
- Maine: CoverME.gov
- Maryland: Maryland Health Connection
- Massachusetts: Massachusetts Health Connector
- Minnesota: MNsure
- Nevada: Nevada Health Link
- New Jersey: Get Covered New Jersey
- New Mexico: beWellnm
- New York: NY State of Health
- Oregon: Oregon Health Insurance Marketplace (OregonHealthCare.gov)
- Pennsylvania: Pennie
- Rhode Island: HealthSource RI
- Vermont: Vermont Health Connect
- Virginia: Virginia's Insurance Marketplace
- Washington: Washington Healthplanfinder
State-based marketplace on the federal platform (2)
The state runs the marketplace, but residents enroll through HealthCare.gov.
Uses HealthCare.gov (27)
Residents enroll through the federal marketplace.
- Alabama insurance overview
- Alaska insurance overview
- Arizona insurance overview
- Delaware insurance overview
- Florida insurance overview
- Hawaii insurance overview
- Indiana insurance overview
- Iowa insurance overview
- Kansas insurance overview
- Louisiana insurance overview
- Michigan insurance overview
- Mississippi insurance overview
- Missouri insurance overview
- Montana insurance overview
- Nebraska insurance overview
- New Hampshire insurance overview
- North Carolina insurance overview
- North Dakota insurance overview
- Ohio insurance overview
- South Carolina insurance overview
- South Dakota insurance overview
- Tennessee insurance overview
- Texas insurance overview
- Utah insurance overview
- West Virginia insurance overview
- Wisconsin insurance overview
- Wyoming insurance overview
Changes to watch
Marketplace types are not fixed. According to our state summaries:
- Oregon is moving from HealthCare.gov to its own state-run enrollment platform for plan year 2027. State law (Senate Bill 972) requires the new platform by November 1, 2026.
- Oklahoma enrolls through HealthCare.gov for the rest of 2026 and all of 2027, and plans to launch its own exchange on November 1, 2027, for plan year 2028.
How this list was made
The groups come from the 2026 listings of marketplace types published by HealthInsurance.org, KFF and the Centers for Medicare & Medicaid Services (CMS), as recorded in each state's summary. Confirm your own state's marketplace on HealthCare.gov or your state's marketplace website before you enroll.
What to do
- Find your state in the list above.
- Open your marketplace's website and check its current enrollment dates, because state marketplaces can set their own.
- Compare plans by total cost, network and covered drugs, not by premium alone.
Common mistakes
- Assuming every state uses HealthCare.gov.
- Assuming enrollment dates are the same everywhere.
- Using last year's information. Marketplace types can change, as Oregon and Oklahoma show.
General information only. It is not insurance, legal or financial advice. Rules differ by state and change over time, so confirm details with your state insurance department, your insurer and your policy.
Questions
Is HealthCare.gov the same as my state's marketplace?
In states that use the federal marketplace, yes: HealthCare.gov is your state's marketplace. In states that run their own, you enroll on the state's website.
Can a state change its marketplace type?
Yes. Oregon is moving to its own platform for plan year 2027, and Oklahoma plans to launch its own exchange for plan year 2028.
Where do I find my state's enrollment dates?
On your state marketplace's website, or on HealthCare.gov if your state uses it. State marketplaces can set their own enrollment dates.
Sources
- HealthInsurance.org: What type of health insurance exchange does my state have? (2026 plan year)healthinsurance.org
- CMS: State-based exchanges (updated August 2026)cms.gov
- KFF: State health insurance marketplace types (2026)kff.org
- Oregon Health Insurance Marketplace: State-based marketplace projecthealthcare.oregon.gov
- Oklahoma Insurance Department: Health insurance and the state-based exchangeoid.ok.gov
Informational only. Rules and policy terms change and differ by state and insurer. Confirm details with your policy, your insurer or your state insurance department.
Keep exploring
- Unfamiliar words? Check the insurance glossary.
- Browse every article by topic.
- See how we check what we publish on How we verify.
Related articles
Back to life & health insurance.
See the full topic page, your state summary and every article on this topic.