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Private Health Insurance by State

Health insurance is regulated state by state, so the honest answer to "what can I buy?" changes the moment you cross a state line. A carrier filed in Texas may not be filed in Pennsylvania, and a plan that is the obvious answer in Georgia may not exist in Washington.

Every page below is built from our own product availability map: which carriers can actually be written in that state, what published rates apply, and what is not available there.

How much availability varies

The complete Medical Mutual Protect suite is filed in 23 states. Bright Life is available in 41 of the states and jurisdictions we cover. LifeX is filed in 43 states and DC. Manhattan Life Affordable Choice is filed in 40. Guaranteed-issue coverage through Enrollment First reaches all 50 states plus DC, with a few product-level exceptions.

That means the same household can have five real choices in one state and two in another. Neither situation is a problem as long as somebody tells you the truth about it up front.

Choose your state

StateWhat is available
AlabamaFull suite plus underwritten plans
AlaskaLimited shelf
ArizonaFull suite plus underwritten plans
ArkansasFull suite plus underwritten plans
CaliforniaSeveral underwritten plans
ColoradoFull suite plus underwritten plans
ConnecticutLimited shelf
DelawareSeveral underwritten plans
FloridaFull suite plus underwritten plans
GeorgiaFull suite plus underwritten plans
IdahoLimited shelf
IllinoisFull suite plus underwritten plans
IndianaFull suite plus underwritten plans
IowaFull suite plus underwritten plans
KansasFull suite plus underwritten plans
KentuckyFull suite plus underwritten plans
LouisianaSeveral underwritten plans
MaineSeveral underwritten plans
MarylandLimited shelf
MassachusettsLimited shelf
MichiganFull suite plus underwritten plans
MinnesotaLimited shelf
MississippiFull suite plus underwritten plans
MissouriFull suite plus underwritten plans
MontanaSeveral underwritten plans
NebraskaFull suite plus underwritten plans
NevadaSeveral underwritten plans
New HampshireGuaranteed-issue options only
New JerseyLimited shelf
New MexicoSeveral underwritten plans
New YorkLimited shelf
North CarolinaFull suite plus underwritten plans
North DakotaSeveral underwritten plans
OhioFull suite plus underwritten plans
OklahomaFull suite plus underwritten plans
OregonLimited shelf
PennsylvaniaSeveral underwritten plans
Rhode IslandSeveral underwritten plans
South CarolinaFull suite plus underwritten plans
South DakotaSeveral underwritten plans
TennesseeFull suite plus underwritten plans
TexasFull suite plus underwritten plans
UtahFull suite plus underwritten plans
VermontGuaranteed-issue options only
VirginiaSeveral underwritten plans
WashingtonGuaranteed-issue options only
Washington, D.C.Limited shelf
West VirginiaSeveral underwritten plans
WisconsinFull suite plus underwritten plans
WyomingSeveral underwritten plans

Availability as of August 2026 and confirmed at the time of application.

Pick your state in the marketplace and see the plans that can actually be written there.

Explore Private Health Options →

Common questions

Why does availability change by state?

Insurance is regulated at state level. Each carrier files its products state by state and chooses where to do business, so the shelf genuinely differs.

What if my state has fewer options?

It usually still has real ones, including guaranteed-issue coverage that nobody is declined for. The state page tells you exactly what is there.

What if I move states?

Private plans are written in the state where you live. If you move, tell your agent — the plan may need to be rewritten in the new state.

Can I buy coverage in a state I do not live in?

No. The application is written in your state of residence.

Keep reading

Private Health Insurance GuidePrivate Health Insurance CostWhat Is Private Health Insurance?Private Health vs ACA Marketplace

Reviewed and updated August 2026. Availability, benefits and premiums vary by state and are confirmed at application.