Understanding Health Insurance

These resources are for anyone shopping (or helping someone shop) for health coverage within the health insurance marketplaces created through the Affordable Care Act (also known as the ACA or Obamacare).

For 2023 coverage, the open enrollment period starts on November 1, 2022 and ends on January 15, 2023, for healthcare.gov and in most state-run marketplaces, and later in a few states. Eligible people may also enroll in Medicaid at any point during the year and in marketplace coverage if they qualify for one of several special enrollment opportunities.

  • FAQs: Health Insurance Marketplace and the ACA

    This list of more than 300 Frequently Asked Questions (FAQs) covers the Affordable Care Act’s health insurance Marketplace (aka exchange), individual mandate, open enrollment, premiums and more. It provides answers to questions about specific groups, such as young adults, smokers, the uninsured, and non-traditional households. Updates include questions about enhanced tax credits authorized by ARPA and about new consumer protections against surprise medical bills.

  • Health Insurance Marketplace Calculator

    The Health Insurance Marketplace Calculator uses 2023 premium data and the subsidy increases for 2023 in the Inflation Reduction Act to provide estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”). With this calculator, you can enter your income, age, and family size to estimate your eligibility for subsidies and how much you could spend on health insurance.


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The independent source for health policy research, polling, and news, KFF is a nonprofit organization based in San Francisco, California.