Government health insurance, explained
Government health insurance
made plain.
Learn how ACA Marketplace plans, Medicaid and CHIP, and Medicare actually work — then talk to a licensed agent when you're ready. We're an independent site, not a government agency.
I’m looking for a agent
I'm researching coverage
Answer a few quick questions — what you need, what’s in the way, how you like to meet. We match you with agents who fit.
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A verified profile, shoppers matched to your specialties, programs and events, and your own back office and CRM.
Get exclusive referralsHow matching works
Start with what you need — we’ll find the agent.
01
Tell us what you need
What you’re looking for, what’s in the way, and how you like to meet — phone, video call and in person.
02
We match on fit
Specialties, the people they work with, credentials and format.
03
You choose who to hear from
See why each agent fits. Pick who may contact you — nothing is shared without your say-so.
5 areas of focus
ACA Marketplace, Medicaid & CHIP, Medicare & Medigap, Hospital indemnity & supplemental and Enrollment help.
ACA Marketplace
ACA Marketplace plans, Premium tax credits & subsidies and Special enrollment periods.
3 kinds →
Medicaid & CHIP
Medicaid & CHIP.
1 kinds →
Medicare & Medigap
Medicare Advantage (Part C), Medicare Supplement (Medigap) and Medicare Part D (drug plans).
3 kinds →
Hospital indemnity & supplemental
Hospital indemnity & supplemental.
1 kinds →
Enrollment help
Enrollment help & navigators.
1 kinds →
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Where do you want to start?
ACA Marketplace basics
How the ACA Marketplace (Obamacare) works, metal tiers, and eligibility.
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Premium tax credits & subsidies
How help paying for marketplace premiums generally works.
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Special enrollment periods
Enrolling outside open enrollment after a qualifying life event.
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Medicaid & CHIP basics
Who Medicaid and CHIP generally cover, and how they differ from marketplace plans.
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Medicare basics
Medicare Parts A, B, C and D, and when to enroll.
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Medicare Advantage & Medigap
Comparing Medicare Advantage with Medicare Supplement (Medigap) plans.
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Hospital indemnity & supplemental
Cash-benefit plans that pair with ACA, Medicaid or Medicare coverage.
Explore
Finding help: agents & navigators
The difference between licensed agents and navigators, and how to get free help.
Explore
Who we help
Wherever you’re starting from.
Uninsured shoppers
ACA Marketplace coverage they can afford
Low-income families
to find out whether Medicaid or CHIP covers their family
Seniors turning 65
to understand Medicare enrollment before their deadline
Current Medicare beneficiaries
to compare Medigap, Part D and Advantage options
Self-employed & gig workers
ACA Marketplace plans and subsidies without employer coverage
People with a recent life change
to enroll outside open enrollment after a qualifying life event
People with high-deductible plans
extra protection against hospital bills
Honest listings
Agents, clearly labeled.
- Credentials shown plainly. Licenses, certifications and trainings are listed as each agent provides them and checked where possible.
- You stay in control. Nothing you share goes to a agent until you choose who may contact you.
- Your details stay private. We don’t sell your information.
- No miracle promises. Agents may not promise guaranteed outcomes.
For agents
Your business, with a back office.
A verified profile, shoppers matched to your specialties, programs and events, and a CRM to follow up.
Matched requests
People choose you — you have 48 hours to reach out.
Your own CRM
Every request, stage, note and follow-up in one place.
Programs & events
Sessions, group programs, workshops and courses.
Credential badge
Licenses, certifications and trainings shown clearly.
Agent listing
Free
3 specialties · Be found in the directory
ZIP Exclusive
$1,500/mo
9 specialties · Every referral in your ZIP code — exclusively yours
State Exclusive
$4,500/mo
9 specialties · Every referral in your state — exclusively yours
Nationwide Exclusive
$32,500/mo
9 specialties · Every referral nationwide not held by a ZIP or state partner
0 agents · 0 programs & events
Questions
Frequently asked questions
Is governmenthealthplan.com a government website?
No. Despite the name, this is an independent educational and referral site — not HealthCare.gov, Medicare.gov, Medicaid.gov, or any government agency, and not affiliated with or endorsed by any government. We explain how government health insurance programs generally work and connect you with independent licensed insurance agents.
What's the difference between the ACA Marketplace and Medicare?
The ACA Marketplace (sometimes called Obamacare) is mainly for people under 65 who don't have job-based or other government coverage. Medicare is federal health coverage mainly for people 65 and older or with certain disabilities. They have separate enrollment periods and rules, and you generally use one or the other, not both at once.
How do I know if I qualify for Medicaid or CHIP instead of a marketplace plan?
Eligibility depends on household income, size and state rules, which vary by state and change over time, so we don't publish figures here. A licensed agent or your state Medicaid office can check your specific eligibility at no cost.
What is a premium tax credit?
It's a form of financial help that can lower a monthly ACA Marketplace premium based on estimated household income. The amount depends on income, family size and the plans available where you live — ask a licensed agent or use the official marketplace site for a personalized estimate.
When can I enroll in Medicare or an ACA plan?
Both have specific windows: an annual open enrollment period, plus special or initial enrollment periods tied to turning 65, losing other coverage, or certain life events. These dates are set by the government and can change, so confirm current deadlines at Medicare.gov or HealthCare.gov rather than relying on a date you saw elsewhere.
What is hospital indemnity or supplemental insurance, and do I need it?
These plans pay a fixed cash benefit for things like a hospital stay, accident, or serious diagnosis, in addition to — not instead of — ACA, Medicaid, or Medicare coverage. They're optional, and most useful if you have a high deductible or want extra cash-flow protection during a medical event.
How do I get help choosing a plan?
You can talk to a licensed, independent insurance agent through this site at no cost, or contact a certified enrollment navigator or assister through the official marketplace. Agents and navigators can explain your options; we don't sell insurance or give personalized advice ourselves.