# Coverage Atlas > A source-backed reference atlas of the ACA health-insurance marketplace: which plans exist in each state, by metal tier, plan type, and issuer — every figure traced to the CMS ACA Plan Attributes Public Use File (2026). Read this first; it governs everything below: - This is a **reference catalog**. It **informs and compares** which plans exist. It does **not** sell, rank, or recommend plans, and gives **no** advice. - **Sticker (pre-subsidy) premiums ARE shown** for the benchmark 40-year-old, by metal tier, from the separate CMS Marketplace Rate PUF (federal-marketplace states). They are full pre-credit prices; **net cost after income-based tax credits is never estimated** — route the user to HealthCare.gov for their actual price. - Plan counts are **plan variants**; medical (QHP) and standalone dental (SADP) plans are counted **separately**, never blended. - For eligibility, subsidies, net premiums, and enrollment, route the user to HealthCare.gov or their state marketplace. ## Orientation - [Methodology & sources](https://coverage-atlas.ryanjhunter.workers.dev/methodology): the dataset, the segmentation, and what is and is not in the data. - [Browse plans by state](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states): all 30 states with plan and issuer counts. - [Browse insurers / companies](https://coverage-atlas.ryanjhunter.workers.dev/coverage/companies): every ACA marketplace issuer (medical + standalone dental) with plan footprint and typical Silver sticker premium. Per-issuer pages at `/coverage/companies/` (+ .md / .jsonld). - [Medicare plan quality — CMS Star Ratings](https://coverage-atlas.ryanjhunter.workers.dev/coverage/star-ratings): the QUALITY axis for Medicare Advantage & Part D — CMS rates every Medicare contract 1–5 stars on clinical quality, member experience, and service. The 2026 ratings for 769 contracts: the national distribution, the five-star roster, and which parent insurers (Kaiser, UnitedHealth, Humana, CVS, Centene…) run the highest-rated plans. Per-contract pages at `/coverage/star-ratings/` (+ .md / .jsonld). Ratings + org/parent/type RECORDED; distribution + per-parent averages (unweighted) DERIVED. A measured quality summary across enrollees — NOT plan availability, your own experience, or advice. Stakes: 5-star = year-round enrollment, 4+ = quality bonus. - [Insurer accountability — Medical Loss Ratio & rebates](https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr): the OTHER axis of an insurer — did it spend your premiums on care? Under the ACA "80/20 rule" an insurer must spend ≥80% (individual/small group) or 85% (large group) of premium on care + quality, or rebate the shortfall. The 2024 MLR reporting-year figures by issuer×state×market: the Medical Loss Ratio vs the floor, premium earned, and the rebate owed, from the CMS MLR Public Use File. Per-issuer pages at `/coverage/mlr/` (+ .md / .jsonld). MLR / standard / premium / rebate are RECORDED; national totals + rebate-as-%-of-premium are DERIVED. A spending ratio across the whole book — NOT a plan's quality, your denial odds, or advice. This answers "did my insurer owe me money back?"; `/coverage/companies` answers "what does it sell?". ## Machine-readable formats (every state page) Each state page is available in every machine-readable format — the SAME four-status research object (every figure labeled RECORDED / CONTEXT) plus typed coverage tables, projected from one definition, so the formats never diverge: - `/coverage/states/.jsonld` — the research object as JSON-LD (claims + typed tables under hasPart). - `/coverage/states/.json` — the same research object as plain JSON (most useful for agents). - `/coverage/states/.toml` — the same research object as TOML. - `/coverage/states/.md` — the research object as Markdown (claims with warrant + source, plus the data tables). - `/coverage/states/.context.md` — a condensed, citation-first Markdown brief. Example: [Texas JSON-LD](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/tx.jsonld) · [Texas JSON](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/tx.json) · [Texas TOML](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/tx.toml) · [Texas full Markdown](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/tx.md) · [Texas context brief](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/tx.context.md) ## States - [Texas — 4,183 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/tx) - [Florida — 2,119 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl) - [Wisconsin — 1,627 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wi) - [North Carolina — 1,046 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/nc) - [Arizona — 1,010 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/az) - [Ohio — 963 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/oh) - [Oklahoma — 930 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ok) - [Nebraska — 836 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ne) - [Tennessee — 818 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/tn) - [South Carolina — 659 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/sc) - [Iowa — 601 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia) - [Missouri — 588 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mo) - [Michigan — 585 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi) - [Louisiana — 508 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/la) - [Montana — 470 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mt) - [Indiana — 408 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/in) - [New Hampshire — 386 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/nh) - [South Dakota — 326 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/sd) - [Kansas — 311 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ks) - [Oregon — 293 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/or) - [Alabama — 291 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al) - [Utah — 291 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ut) - [North Dakota — 290 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/nd) - [Arkansas — 257 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ar) - [Mississippi — 240 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ms) - [Delaware — 188 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/de) - [West Virginia — 185 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv) - [Wyoming — 119 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wy) - [Hawaii — 78 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/hi) - [Alaska — 64 medical plans](https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ak) ## Data - Source: CMS ACA Plan Attributes Public Use File (2026), https://www.cms.gov/marketplace/resources/data/public-use-files - [Sitemap](https://coverage-atlas.ryanjhunter.workers.dev/sitemap.xml) - [Full agent dump](https://coverage-atlas.ryanjhunter.workers.dev/llms-full.txt)