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
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.
- Delaware Federal Marketplace
- Maryland State-based exchange
- Virginia State-based exchange
- West Virginia Federal Marketplace
- North Carolina Federal Marketplace
- South Carolina Federal Marketplace
- Georgia State-based exchange
- Florida Federal Marketplace
- Alabama Federal Marketplace
- Mississippi Federal Marketplace
- Tennessee Federal Marketplace
- Illinois State-based exchange
- Indiana Federal Marketplace
- Iowa Federal Marketplace
- Kansas Federal Marketplace
- Kentucky State-based exchange
- Michigan Federal Marketplace
- Minnesota State-based exchange
- Missouri Federal Marketplace
- Nebraska Federal Marketplace
- North Dakota Federal Marketplace
- Ohio Federal Marketplace
- Oklahoma Federal Marketplace
- South Dakota Federal Marketplace
- Wisconsin Federal Marketplace
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.
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.
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).