Medicaid • CHIP • Marketplace • All 50 states and DC
Find the coverage you qualify for,and the plan that fits.
Enter your ZIP code to check Medicaid, CHIP, and Marketplace eligibility under current federal and state rules. Compare 6,655 plans from 325 state-licensed insurers by what you would actually pay, check your doctors and medications, and understand your plan's benefits before you enroll.
We use your ZIP code to load your specific county benchmark rates, FPL standards, and state marketplace rules.
Federal and state marketplaces
Nationwide Engine Scope • Real-Time Standards
Built on Verified Federal and State Rules
PlanRefer computes eligibility and benchmark rates across every US jurisdiction, matching household circumstances to current statute.
Nationwide Inventory
Qualified Health Plans
Base Marketplace Plans
0 Total Plan Variants
Includes live prescription drug formulary checks and county silver benchmark pricing for every plan.
Complete Market Scope
51 Marketplaces Across 3,144 Counties
PlanRefer evaluates both CMS federal platforms and state-based exchanges across all 50 states and the District of Columbia. Every residential ZIP code connects directly to its county rating area, evaluating silver benchmark premiums, deductible levels, and rating variants without estimations or regional gaps.
Safety Net Integration
Guaranteed Care Access When Coverage Gaps Appear
When income falls below Medicaid limits or premiums are out of reach, PlanRefer points you to community health centers nearby. 16,874 sites, run by 1,358 federally funded health centers, offer primary care, preventive screenings, and prescriptions on a sliding fee based on income. You can also look up 7,481,905 doctors, nurses, and other clinicians by name.
HRSA Safety Net
Community Health Center Sites
FQHC Clinic Network
0 clinicians you can look up by name
Federally Qualified Health Center sites matched to your county.
Plan Explanations
Explained in Plain English
And in 8 more languages
Monthly cost, deductible, visit costs, yearly maximum, and network rules.
Understand Your Coverage
Know What a Plan Covers
PlanRefer explains every plan in plain words: monthly cost, deductible, what each visit costs, your yearly maximum, network and referral rules, and which preventive care is free. Scan a letter from your insurer, your state Medicaid office, or CMS, or your own plan documents, and see what it means for you. Every explanation is available in 9 languages.
One Big Beautiful Bill Act
The New Medicaid Law, Applied to Your Household
The One Big Beautiful Bill Act, Public Law 119-21, changes how millions of people get and keep Medicaid. PlanRefer applies five of its rules to your answers: renewals every six months for adults covered through Medicaid expansion, the new work and community engagement requirement and who is exempt from it, a shorter window for retroactive coverage, new cost sharing for some expansion adults, and updated rules on which immigration statuses qualify.
Public Law 119-21
Medicaid Rules From the New Law
One Big Beautiful Bill Act
Each rule is applied from the date the law says it starts.
Independent guide built on official CMS data. Not a government website, and not affiliated with any marketplace or insurer.