HEALTH INSURANCE
Affordable health insurance for you and your family
Explore ACA Marketplace health insurance options and find out whether you may qualify for financial assistance.
We help individuals and families understand their options, compare available plans, and find coverage that fits their needs and budget.
Why consider a Marketplace plan?
Marketplace health insurance may help reduce your monthly health insurance costs through tax credits based on your household income, household size, location, and other eligibility requirements.
Marketplace plans also provide protections for people with pre-existing conditions and cover essential health benefits.
Who may qualify for ACA savings?
You may qualify for financial assistance to help lower the cost of Marketplace health insurance. Eligibility depends on factors including your household income, household size, location, immigration status, and access to other qualifying health coverage.
Your actual premium will vary based on your individual circumstances. Not everyone will qualify for financial assistance.
Get a free quote to see what options may available to you.
ENROLLMENT
When is ACA (Obamacare) enrollment?
The Marketplace, Open Enrollment generally run from November 1 through January 15.
- Enroll by December 15 → coverage generally begins January 1
- Enroll between December 16 and January 15 → coverage generally begins February 1
Enrollment dates and rules can vary by state. Some states operate their own Marketplace and may have different deadlines or enrollment periods.
Missed Open Enrollment? You may still qualify for a Special Enrollment Period (SEP).
SPECIAL ENROLLMENT PERIOD (SEP)
Missed Open Enrollment?
You may still be able to enroll in the Marketplace plan.
You may qualify for a Special Enrollment Period (SEP) after certain life events, including:
- Recently losing health coverage
- Getting married
- Having or adopting a baby
- Moving (to another state)
- Losing eligibility for Medicaid or CHIP
- Certain other qualifying life events
Some Special Enrollment Periods have specific eligibility requirements and deadlines. some life events may require you to provide documentation.
Not sure if you qualify? Talk to a licensed agent to review your options.
PRE-EXISTING CONDITIONS
What if I have a pre-existing condition(s)?
You can still get Marketplace health insurance if you have a per-existing condition.
Marketplace insurance companies cannot deny you coverage or charge you more simply because of a pre-existing condition. Marketplace plans also cannot exclude coverage for treatment related to pre-existing conditions.
Your health history does not prevent you from applying for Marketplace coverage.
BENEFITS OF ACA
What does Marketplace insurance cover?
Marketplace plans cover essential health benefits, including:
- Doctor visits and outpatient care
- Emergency services
- Hospitalization
- Pregnancy, maternity, and newborn care
- Mental health and substance use disorder services
- Prescription drugs
- Laboratory services
- Preventive and wellness ervices
- Rehabilitative and habilitative services
- Pediatric services
Many preventive services also are covered without cost-sharing when provided by an in-network provider and when applicable requirements are met.
Benefits, costs, provider networks, and covered services can vary by plan.
We can help you compare your options and find a plan that fits your needs and budget.
ELIGIBILITY
Who can get Marketplace coverage?
You may be able to enroll in Marketplace health insurance if you:
- Live in the United States
- Are a U.S. citizen or U.S. national, or have an eligible immigration status
- Are not currently incarcerated
- Meet the Marketplace eligibility requirements
You do not need to be employed to purchase Marketplace coverage.
Marketplace applicants may need to provide information about their household income, and other circumstances to determine eligibility and whether they qualify for financial assistance.
Self-employed, independent contractors, freelancers, and people between jobs may also be able to purchase Marketplace coverage.
MARKETPLACE COST
How much does Marketplace insurance cost?
The cost of Marketplace health insurance varies from person to person.
Your monthly premium and potential savings may depend on factors such as:
- Age
- Location
- Household size
- Estimated household income
- Plan selected
- Eligibility for financial assistance (tax credits)
- Access to other qualifying health coverage
When comparing plans, it's important to look at more than just the monthly premium. Deductibles, copays. coinsurance, prescription costs, provider networks, and the plan's out-of-pocket maximum can also affect your overall healthcare costs.
Get a free quote to see what plans and savings may be available to you.
REQUIREMENTS
What do I need to get started?
To help you explore Marketplace coverage, you may need information such as:
- ZIP code
- Date of birth
- Household size
- Estimated household income
- Current health coverage information
- Information about household members applying for coverage
- Citizenship or eligible immigration-status information, when applicable
You don't need to figure everything out on your own.
A licensed agent can help you review your options and understand your available plans.
Ready to explore your health insurance options?
Finding the right health insurance plan can be complicated. A licensed agent can help you understand your options, compare available plans, and determine whether you may qualify for financial assistance (tax credits)
Get started today and see what coverage options may be available to you.
Disclaimer: This website provides general information about health insurance and is not a guarantee of eligibility, coverage, benefits, rates, or savings. Marketplace eligibility and financial assistance are determined based on individual circumstances and applicable federal and state requirements. Premiums, benefits, provider networks, and out-of-pocket costs vary by plan and location. Contact a licensed insurance agent for assistance with your individual situation.
Good to know
Frequently asked questions
What is ACA health insurance?
ACA, or the Affordable Care Act (also known as Obamacare), created the Health Insurance Marketplace where individuals and families can shop for health insurance plans. Depending on your circumstances, you may also qualify for financial assistance to help lower your monthly premium and other healthcare costs.
How much does ACA health insurance cost?
The cost varies from person to person. Your premium and potential financial assistance (tax credit) may depend on factors such as your age, location, household size, estimated household income, and the plan you choose.
The monthly premium is only one part of the cost. You should also consider deductibles, copays, coinsurance, prescription costs, provider networks, and the plan's out-of-pocket maximum.
Do I qualify for financial assistance?
You may qualify for financial assistance based on factors such as your household income, household size, location, immigration status, and access to other qualifying health coverage.
The best way to determine what you may qualify for is to review your individual circumstances and available Marketplace options.
Can I get ACA insurance if I have a pre-existing condition?
Yes. Marketplace health insurance plans cannot deny you coverage or charge you more simply because you have a pre-existing condition.
Marketplace plans also cannot exclude coverage for treatment related to a pre-existing condition.
When can I enroll in ACA health insurance?
For the federal Marketplace, Open Enrollment generally runs from November 1 through January 15.
If you enroll by December 15, coverage generally begins January 1. If you enroll between December 16 and January 15, coverage generally begins February 1.
Enrollment dates can vary depending on your state.
Can I choose my own doctor?
Marketplace plans have different provider networks. Whether your doctor or healthcare provider is covered depends on the specific plan you choose.
Before enrolling, it's important to check whether your preferred doctors, hospitals, and other healthcare providers are in the plan's network.
Will my prescriptions be covered?
Marketplace plans cover prescription drugs, but the medications covered and your out-of-pocket cost can vary by plan.
Before choosing a plan, check the plan's prescription drug list (formulary) to make sure your medications are covered.
Still have questions?
Talk to a licensed agent today and explore your health insurance options.
Licensed agents · No obligation · Plans that best fits you