Health insurance
Major medical coverage, made understandable. Orchard guides you from your first question to a finished enrollment.
What a plan includes
A Marketplace plan lets you get care when you need it instead of waiting until you can pay for it. Here is a quick view of what is usually included and what usually is not.
Covered
- Doctors and hospitalsPrimary care, specialists, hospital stays and emergency visits, generally after you meet your deductible.
- Prescription drugsA wide list of medications is covered. What you pay depends on the plan's drug tiers.
- Staying wellYearly checkups, recommended vaccines and common screenings, often at no cost to you.
Not covered
- Adult dental and visionUsually needs its own plan, or you pay the provider directly.
- Complementary therapiesTreatments such as acupuncture or massage are rarely covered in full and are often paid by you.
- Fertility treatmentServices like IVF may be partly covered or not covered, depending on the plan and the state you live in.Every policy is different, so read the benefits summary before you choose.
Ready when you are
Check your savings in under a minute
Find out whether premium tax credits can bring down what you pay for Marketplace coverage.
- Most enrollees receive financial help¹
- Tax credits can cut hundreds from a monthly premium¹
- Estimate first, decide later
Enter a few details to see your estimate.
Shopping for health coverage?
A licensed partner agent can help you choose.*
Health coverage, in plain words
Every kind of coverage. One checkout.
Add dental, vision or a protection plan next to your health plan and keep everything in one place.
Dental plans that match your visits
Add dental coverage next to your health plan when it makes sense for you.
- Match a plan to how often you see the dentist.
- Check yearly maximums and waiting periods up front.
- Know what the plan pays before your appointment.
Frequently asked questions
Does it cost anything to use Orchard?
No. Using Orchard is free, and plan prices are set by the carriers, so you never pay more for shopping here.
When am I allowed to sign up?
The main window is Open Enrollment, which runs once a year, usually from late fall into the new year. Exact dates depend on your state's Marketplace.
Outside that window you may still have options.
A qualifying life event, such as a move, a new job, marriage or a new baby, can open a Special Enrollment Period for you.
How can Orchard lower my costs?
When you enter your household size and estimated income, Orchard checks whether you qualify for premium tax credits and cost-sharing reductions. These reduce what you pay each month or when you get care, and most Marketplace enrollees receive them.¹
1 Source: CMS 2026 Open Enrollment report