ACA Health Insurance

Affordable Marketplace plans for individuals & families

Compare ACA plans, check subsidy eligibility, and enroll with licensed agents. Open Enrollment is here — get covered today.

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Health coverage made simple

Affordable Care Act marketplace plans

The Health Insurance Marketplace offers subsidized plans based on your income. Most enrollees qualify for premium tax credits that lower monthly costs.

Open Enrollment: Nov 1 – Jan 15. Special Enrollment available after qualifying life events.

📋 Key ACA facts

✔ Premium tax credits available for 400% FPL and below
✔ Cost-sharing reductions lower out-of-pocket costs
✔ Essential health benefits included in all plans
✔ No denial for pre-existing conditions
✔ Free preventive care: vaccines, screenings, annual checkups

Metal tier plans explained

Choose the balance of premium vs. out-of-pocket costs that works for you.

🥇 Bronze

Lowest monthly premium, highest deductibles. 60% coverage / 40% patient pay. Great for catastrophic protection.

🥈 Silver

Moderate premium, lower deductibles. 70% coverage. Best for subsidy-eligible — extra cost-sharing reductions.

🥉 Gold

Higher premium, low deductibles. 80% coverage. Great for those who expect regular medical care.

💎 Platinum

Highest premium, lowest out-of-pocket. 90% coverage. Best for chronic conditions or frequent care.

9/10

Enrollees get subsidies

Average savings of $500+ monthly

35M+

Americans covered

Through ACA marketplace plans

Preventive care

No copay for annual physicals & screenings

50+

Essential benefits

Including mental health & maternity

💰 Premium tax credits explained

If your household income is between 100% and 400% of the federal poverty level, you qualify for subsidies that lower your monthly premium. We'll calculate your exact savings.

📅 Special enrollment periods

Life events like marriage, birth of a child, job loss, or moving trigger a 60-day SEP. We help you navigate enrollment outside Open Enrollment.

ACA marketplace FAQ

What is the Open Enrollment period?

November 1 through January 15 in most states. Enroll by December 15 for coverage starting January 1.

Can I get a subsidy if I have employer coverage?

Generally, no — if employer coverage is "affordable" and meets minimum value standards. But we'll review your specific situation.

Are pre-existing conditions covered?

Yes — ACA plans cannot deny coverage or charge more for pre-existing conditions like diabetes, cancer, or heart disease.

What's the penalty for no health insurance?

The federal penalty was removed in 2019, but some states (CA, MA, NJ, RI, DC) have their own mandates with penalties.