Some states run their own marketplaces outside of Healthcare.gov to enroll in Affordable Care Act plans. In those states, browsing or enrollment may happen through the state’s website, or we may connect you with a licensed agent by phone to complete your application.
States with their own marketplaces (Plan Year 2026)
California, Colorado, Connecticut, District of Columbia, Georgia (but can be enrolled directly through HealthSherpa), Idaho, Illinois, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, New Mexico, New York, Pennsylvania, Rhode Island, Vermont, Virginia, Washington.
Arkansas and Oregon are state-based marketplaces that still use HealthCare.gov for enrollment and can enroll directly through HealthSherpa.
What’s changing for 2027
The federal Open Enrollment window will shorten and end on December 31 starting with 2027 coverage.
Oregon is moving to a full state-based marketplace platform for 2027 coverage, so Oregon residents will enroll directly through the state’s system beginning with Open Enrollment in fall 2026.
Why we may ask you to call
Your state’s marketplace requires certain steps or agent help to complete enrollment
We need to confirm eligibility or fix information to show accurate prices
Your application may need verification before plan details can display
Reach out to our Consumer Advocates at 855-772-2663.