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BENEFITRA · STATE COVERAGE

Health plans in all 50 states.

ACA Marketplace plans, Medicaid context, employer group benefits, and ICHRA design for every state. Each page captures the local exchange, the Medicaid program name, the state regulator, and the employer benefits options in plain language.

State guides
49
State-based exchanges
19
Medicaid-expansion states
40+
Group funding arrangements
7
Skip the map and go to the state list

Hover or tab to a state, click to open its guide.Tap a state to preview it, tap again to open its guide.

State-level regulation

One platform, fifty regulators, fifty markets.

Health insurance in the United States is regulated at the state level. Carriers file rates with each state's Department of Insurance, Marketplaces split between state-based exchanges and HealthCare.gov, and Medicaid programs run under fifty separate state administrations. Benefitra maintains a state-level guide for 49 of them, anchored to the local exchange URL, the Medicaid program brand, the regulator's complaint process, and the employer-benefits realities of that state.

Jordan Pond in Acadia National Park, Maine, with the rounded Bubbles mountains and autumn foliage behind pink granite boulders

Region 1Northeast

8 states · mostly state-based exchanges

Jordan Pond and the Bubbles, Acadia National Park, Maine. Photo: Victoria Stauffenberg / NPS (public domain)

Layered blue-green ridges of the Great Smoky Mountains in North Carolina under a blue sky

Region 2Mid-Atlantic & Southeast

11 states · mostly HealthCare.gov

Heintooga Overlook, Great Smoky Mountains National Park, North Carolina. Photo: NPS Photo (public domain)

Turquoise Lake Michigan shoreline and wooded bluffs seen from Empire Bluffs at Sleeping Bear Dunes, Michigan

Region 3Midwest

14 states · mostly HealthCare.gov

Empire Bluffs, Sleeping Bear Dunes National Lakeshore, Michigan. Photo: NPS Photo (public domain)

The Teton Range in Wyoming rising above a meadow of yellow balsamroot and purple lupine

Region 4South Central & Mountain

9 states · mix of exchanges and HealthCare.gov

Grand Teton National Park, Wyoming. Photo: NPS / David Restivo (public domain)

Deep blue Crater Lake in Oregon with Wizard Island, seen from the west rim

Region 5Pacific

7 states · mostly state-based exchanges

Crater Lake National Park, Oregon. Photo: National Park Service (public domain)

Inside each guide

What every state page covers.

Each state guide is built to the same template so an operator can compare options across state lines without re-learning the structure.

Marketplace

The state's ACA exchange (state-based or HealthCare.gov), enrollment windows, and premium-tax-credit context.

Medicaid program

The state's Medicaid program name, the agency that administers it, and the FPL threshold for eligibility.

Regulator

The state's Department of Insurance or equivalent, where rate filings, license verification, and complaints route.

Employer options

Small-group availability, ICHRA viability, and large-employer funding paths in that state's market.

Health plans by state: marketplace, continuation rules and employer options

Each state below summarises how its individual marketplace works and which continuation (mini-COBRA) and short-term plan rules apply, using the same state table as our COBRA cost calculator. The figures are the ones in that calculator’s state table, carried over from earlier state pages. This is general information, not advice. Marketplace arrangements, rules and carriers change from year to year, so confirm current details at HealthCare.gov, the state insurance department and the state Medicaid agency.

Health plans in Alabama

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): No. None — federal COBRA only for 20+ employees.
  • Short-term plans: Up to 12 months.

Health plans in Alaska

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): No. None — federal COBRA only for 20+ employees.
  • Short-term plans: Up to 12 months.

Health plans in Arizona

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): No. None — federal COBRA only for 20+ employees.
  • Short-term plans: Up to 12 months.

Health plans in Arkansas

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 6 months, from 1 employee. Covers employers with any group plan for up to 6 months (120 days for most events).
  • Short-term plans: Up to 12 months.

Health plans in California

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 36 months, from 2 employees. Cal-COBRA covers employers with 2-19 employees for up to 36 months.
  • Short-term plans: Not allowed.

Health plans in Colorado

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 18 months, from 1 employee. Covers all employer group plans for up to 18 months.
  • Short-term plans: Up to 6 months.

Health plans in Connecticut

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 36 months, from 2 employees. CT mini-COBRA covers employers with 2-19 employees for up to 36 months.
  • Short-term plans: Up to 6 months.

Health plans in Delaware

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): No. None — federal COBRA only for 20+ employees.
  • Short-term plans: Up to 12 months.

Health plans in District of Columbia

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 3 months, from 1 employee. DC covers all employer group plans for up to 3 months.
  • Short-term plans: Not allowed.

Health plans in Florida

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 18 months, from 1 employee. Florida continuation covers all employer group plans for up to 18 months.
  • Short-term plans: Up to 12 months.

Health plans in Georgia

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 3 months, from 1 employee. Georgia law requires 3 months continuation for all employer group plans.
  • Short-term plans: Up to 12 months.

Read our full Georgia health plan guide.

Health plans in Hawaii

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 18 months, from 1 employee. Hawaii Prepaid Health Care Act covers all employers; continuation up to 18 months.
  • Short-term plans: Up to 6 months.

Read our full Hawaii health plan guide.

Health plans in Idaho

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 12 months, from 1 employee. Idaho covers all employer group plans for up to 12 months.
  • Short-term plans: Up to 12 months.

Health plans in Illinois

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 12 months, from 2 employees. Illinois continuation covers employers with 2-19 employees for up to 12 months.
  • Short-term plans: Up to 6 months.

Health plans in Indiana

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): No. None — federal COBRA only for 20+ employees.
  • Short-term plans: Up to 12 months.

Health plans in Iowa

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 9 months, from 1 employee. Iowa covers all employer group plans for up to 9 months.
  • Short-term plans: Up to 12 months.

Health plans in Kansas

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 18 months, from 1 employee. Kansas continuation covers all employer group plans for up to 18 months.
  • Short-term plans: Up to 12 months.

Health plans in Kentucky

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 18 months, from 2 employees. Kentucky covers employers with 2-19 employees for up to 18 months.
  • Short-term plans: Up to 12 months.

Health plans in Louisiana

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 12 months, from 1 employee. Louisiana covers all employer group plans for up to 12 months.
  • Short-term plans: Up to 12 months.

Read our full Louisiana health plan guide.

Health plans in Maine

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 12 months, from 1 employee. Maine covers all employer group plans for up to 12 months.
  • Short-term plans: Up to 6 months.

Health plans in Maryland

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 18 months, from 2 employees. Maryland covers employers with 2-19 employees for up to 18 months.
  • Short-term plans: Up to 6 months.

Health plans in Massachusetts

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 36 months, from 2 employees. Massachusetts mini-COBRA covers employers with 2-19 employees for up to 36 months.
  • Short-term plans: Not allowed.

Health plans in Michigan

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): No. None — federal COBRA only for 20+ employees.
  • Short-term plans: Up to 12 months.

Health plans in Minnesota

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 18 months, from 2 employees. Minnesota covers employers with 2-19 employees for up to 18 months.
  • Short-term plans: Up to 12 months.

Health plans in Mississippi

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 12 months, from 1 employee. Mississippi covers all employer group plans for up to 12 months.
  • Short-term plans: Up to 12 months.

Health plans in Missouri

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 9 months, from 1 employee. Missouri covers all employer group plans for up to 9 months.
  • Short-term plans: Up to 12 months.

Health plans in Montana

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): No. None — federal COBRA only for 20+ employees.
  • Short-term plans: Up to 12 months.

Health plans in Nebraska

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 6 months, from 1 employee. Nebraska covers all employer group plans for up to 6 months.
  • Short-term plans: Up to 12 months.

Health plans in Nevada

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 18 months, from 2 employees. Nevada covers employers with 2-19 employees for up to 18 months.
  • Short-term plans: Up to 12 months.

Health plans in New Hampshire

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 36 months, from 2 employees. New Hampshire covers employers with 2-19 employees for up to 36 months.
  • Short-term plans: Up to 6 months.

Health plans in New Jersey

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 18 months, from 2 employees. NJ mini-COBRA covers employers with 2-50 employees for up to 18 months; can extend to match federal COBRA group.
  • Short-term plans: Not allowed.

Health plans in New Mexico

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 6 months, from 1 employee. New Mexico covers all employer group plans for up to 6 months.
  • Short-term plans: Up to 12 months.

Health plans in New York

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 36 months, from 2 employees. NY mini-COBRA covers employers with 2-19 employees for up to 36 months.
  • Short-term plans: Not allowed.

Health plans in North Carolina

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 18 months, from 1 employee. North Carolina covers all employer group plans for up to 18 months.
  • Short-term plans: Up to 12 months.

Health plans in North Dakota

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 39 months, from 1 employee. North Dakota covers all employer group plans for up to 39 weeks (approx 9 months).
  • Short-term plans: Up to 12 months.

Health plans in Ohio

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 12 months, from 1 employee. Ohio covers all employer group plans for up to 12 months.
  • Short-term plans: Up to 12 months.

Health plans in Oklahoma

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 6 months, from 1 employee. Oklahoma covers all employer group plans for up to 63 days (approximately 2 months).
  • Short-term plans: Up to 12 months.

Health plans in Oregon

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 9 months, from 1 employee. Oregon covers all employer group plans for up to 9 months.
  • Short-term plans: Up to 6 months.

Health plans in Pennsylvania

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 9 months, from 2 employees. Pennsylvania covers employers with 2-19 employees for up to 9 months.
  • Short-term plans: Up to 12 months.

Health plans in Rhode Island

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 18 months, from 1 employee. Rhode Island covers all employer group plans for up to 18 months.
  • Short-term plans: Up to 6 months.

Health plans in South Carolina

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 6 months, from 1 employee. South Carolina covers all employer group plans for up to 6 months.
  • Short-term plans: Up to 12 months.

Health plans in South Dakota

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 18 months, from 1 employee. South Dakota covers all employer group plans for up to 18 months.
  • Short-term plans: Up to 12 months.

Health plans in Tennessee

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 3 months, from 1 employee. Tennessee covers all employer group plans for up to 3 months.
  • Short-term plans: Up to 12 months.

Health plans in Texas

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 9 months, from 1 employee. Texas covers all employer group plans for up to 9 months (6 months for groups under 20).
  • Short-term plans: Up to 12 months.

Health plans in Utah

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 12 months, from 2 employees. Utah covers employers with 2-19 employees for up to 12 months.
  • Short-term plans: Up to 12 months.

Health plans in Vermont

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 18 months, from 1 employee. Vermont covers all employer group plans for up to 18 months.
  • Short-term plans: Not allowed.

Health plans in Virginia

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 12 months, from 1 employee. Virginia covers all employer group plans for up to 12 months.
  • Short-term plans: Up to 12 months.

Health plans in Washington

  • Individual marketplace (as listed in the calculator data): state-based marketplace.
  • State continuation law (mini-COBRA): Yes, 18 months, from 2 employees. Washington covers employers with 2-19 employees for up to 18 months.
  • Short-term plans: Up to 3 months.

Health plans in West Virginia

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 18 months, from 1 employee. West Virginia covers all employer group plans for up to 18 months.
  • Short-term plans: Up to 12 months.

Read our full West Virginia health plan guide.

Health plans in Wisconsin

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 18 months, from 1 employee. Wisconsin covers all employer group plans for up to 18 months.
  • Short-term plans: Up to 12 months.

Health plans in Wyoming

  • Individual marketplace (as listed in the calculator data): federally facilitated marketplace (HealthCare.gov).
  • State continuation law (mini-COBRA): Yes, 12 months, from 2 employees. Wyoming covers employers with 2-19 employees for up to 12 months.
  • Short-term plans: Up to 12 months.

FAQ

Frequently asked questions

Does Benefitra serve all 50 states?

Yes. Benefitra licenses brokers and agents across all 50 states and the District of Columbia. Coverage availability, carrier networks, and Marketplace rules vary by state, so we maintain state pages (49 states so far) that capture the local exchange, Medicaid program, regulator, and employer benefits context.

What is a state-based exchange versus the federal Marketplace?

Most states use HealthCare.gov, the federal Marketplace. A growing number, including California, New York, Massachusetts, Washington, Colorado, Connecticut, Maryland, Minnesota, New Jersey, Pennsylvania, Rhode Island, Vermont, Virginia, Kentucky, Maine, New Mexico, Nevada, Idaho, and the District of Columbia, run their own state-based exchanges with their own enrollment platforms. The plans are still ACA-qualified.

How is Medicaid different in each state?

Medicaid is jointly funded by states and the federal government, but each state administers its own program with state-specific eligibility thresholds, covered services, and program names. About 40 states plus D.C. have expanded Medicaid under the ACA to adults earning up to 138 percent of the federal poverty level. Non-expansion states use pre-ACA eligibility rules.

Where do small employers find group coverage?

Small-group plans are available year-round in every state for employers with 2 or more employees. Carriers and rate filings are regulated by each state's Department of Insurance. Benefitra helps employers compare small-group quotes alongside ICHRA, level-funded, self-funded, captive, and PEO-integrated alternatives in a side-by-side scorecard.

Is ICHRA allowed in every state?

Yes. ICHRA (Individual Coverage HRA) is a federal IRS rule that allows employers in every state to reimburse employees tax-free for individual ACA plans. ICHRA is widely used by employers who want a fixed benefits budget and let employees choose their own plan on the state Marketplace.

Pick your state, see your coverage.

Each state page is a working brief. Five minutes in your state's guide, and you'll know your Marketplace, your Medicaid program, and your employer-side options.

Talk to our team

Region photographs: Jordan Pond and the Bubbles, Acadia National Park, Maine (Victoria Stauffenberg / NPS, public domain); Heintooga Overlook, Great Smoky Mountains National Park, North Carolina (NPS Photo, public domain); Empire Bluffs, Sleeping Bear Dunes National Lakeshore, Michigan (NPS Photo, public domain); Grand Teton National Park, Wyoming (NPS / David Restivo, public domain); Crater Lake National Park, Oregon (National Park Service, public domain). State outlines: U.S. Census Bureau cartographic boundary files (public domain).

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