Why subsidized ACA is usually cheapest
Subsidies can cover most or all of your premium, which makes a subsidized ACA plan cheaper than almost any unsubsidized alternative for people who qualify.
If you don't qualify for a subsidy, private off-marketplace plans or health sharing may be cheaper — but for the majority of shoppers, the subsidy is the key to the lowest price.
Cheapest ≠ best value
The lowest-premium plan (often a $0 Bronze) has the highest deductible. If you rarely see a doctor, that can be cheapest overall. If you take medications or expect care, a low-cost Silver with cost-sharing reductions may cost less once you add up premium plus out-of-pocket.
How to find your cheapest option
Check your subsidy first, then compare the cheapest plans with your credit applied. A licensed enrollment tool does this in minutes and it's free to use.