You can buy health insurance through the ACA marketplace (healthcare.gov) or you can get it directly from the insurance companies. Google insurance companies in your area and you can get quotes on their websites. In my experience, the plans are exactly the same on the marketplace and the company websites, for the exact same price; the only difference is that if you sign up through the marketplace you can receive the subsidies if you qualify, whereas if you buy through the insurance companies you cannot, even if you would have qualified. It's also a convenient place to compare plans from multiple companies. There were only a few high-deductible plans available in my area, most were traditional plans with copays, etc. We signed up through the Marketplace even though we don't anticipate qualifying for subsidies, in case one of us loses our job or something and we do end up qualifying.