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Use a guided eligibility check below or explore all available coverage options.

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Carrier applications open on official enrollment websites. Availability, eligibility, benefits, pricing and final approval are determined by the applicable carrier.

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Step 1 of 5PHCS Major Medical • About 3 minutes

Please answer each question before continuing.

First, tell me who needs coverage.

Rates are based on the primary applicant's age and who will be covered.

State

Primary applicant's age

Who needs coverage?

Comfortable monthly budget (optional)

Current or expected care

Has anyone applying received, or do they expect to receive in the next 12 months, treatment for any item below?

Serious conditions or specialized treatment

This includes organ failure or transplant, dialysis, cancer treatment, gene or cell therapy, hemophilia or another blood-clotting disorder, or inpatient mental health or substance-use treatment.

See the full screening list

Organ failure or transplant
Bone marrow transplant
Dialysis treatment
Chemotherapy or radiation
Cell or gene therapy
Hemophilia or clotting disorder
Inpatient mental health treatment
Inpatient substance or alcohol treatment

Health history during the past five years

Has anyone applying been diagnosed, treated, hospitalized, taken medication or continued follow-up care for any item below?

Ongoing serious health history

See the full screening list

Cancer, except basal cell carcinoma
Heart disease, heart attack, stroke or heart failure
Homebound, hospice or end-of-life care
Autoimmune or blood disease requiring ongoing care
Organ failure or transplant
Organ support such as dialysis or ECMO
Hospitalization with ongoing treatment or follow-up
COPD, emphysema, chronic bronchitis or chronic pneumonia
Serious musculoskeletal disorder with ongoing care
Substance abuse or dependency
Type 1 diabetes
Parkinson's, epilepsy, Alzheimer's, MS, ALS or major depression

Controlled high blood pressure by itself is not included in this screening question.

A few final health questions

Please answer for everyone who would be included in the coverage.

Is anyone currently pregnant, expecting, or receiving infertility services?

Has anyone had a major surgery in the past five years with ongoing care, or has one been planned or recommended in the next 12 months?

What counts as major surgery?

Heart bypass, valve surgery, transplant or aneurysm repair
Craniotomy, spinal fusion, laminectomy or deep brain stimulation
Major trauma-related orthopedic surgery
Colectomy, gastrectomy, Whipple procedure or bowel resection
Cancer-related breast, lung, prostate or hysterectomy surgery
Kidney, liver, lung or pancreas transplant
Thoracotomy or esophagectomy
Carotid, peripheral artery or dialysis-access surgery

Does anyone applying currently use tobacco?

Tobacco use does not change the estimated price shown here.

What matters most to you?

This helps put the available estimates in a useful order. It does not change eligibility.

Please answer accurately. This is an educational pre-screen, not an application or approval. Final eligibility is determined by the carrier.

Your starting point

Based on your answers, you may qualify for one or more available options.

Choose a plan section, compare estimated prices and open any plan for the key coverage details.

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Estimates use the primary applicant's age band and selected household tier.

Displayed prices are estimates, not offers or guarantees. Availability, benefits, exclusions, underwriting and final premiums vary by state and applicant. Plan documents and carrier approval control. These options may not provide every benefit required of ACA-compliant coverage.