Affordable Care Act (ACA) Health Insurance
Find affordable health coverage that meets your needs. Our advisors help you navigate ACA options and maximize your savings.
- Enrollment Period
Don’t miss the Open Enrollment deadline. Our advisors can help you enroll in time.
- Subsidy Eligibility
You may qualify for premium tax credits. We can help determine your eligibility.
- Family Coverage
Find affordable coverage for your entire family, including dependents up to age 26.
Affordable Health Insurance Under the ACA
The Affordable Care Act (ACA) makes health insurance accessible and affordable for millions of Americans. Our licensed advisors can help you navigate your options and find coverage that fits your needs and budget.
- Coverage for essential health benefits
- No denial for pre-existing conditions
- Preventive care at no additional cost
- Potential premium tax credits and subsidies
- Coverage for dependents up to age 26
Understanding ACA Metal Tiers
ACA plans are categorized by metal tiers, which indicate how you and your plan share costs.
Bronze
Covers 60% of expected costs
-
Monthly Premium
Lowest -
Out-of-Pocket Costs
Highest -
Best For
Healthy individuals wanting protection from worst-case scenarios
Silver
Covers 70% of expected costs
-
Monthly Premium
Moderate -
Out-of-Pocket Costs
Moderate -
Best For
Most popular plan; only level eligible for extra savings
Gold
Covers 80% of expected costs
-
Monthly Premium
Higher -
Out-of-Pocket Costs
Lower -
Best For
People who use a lot of care and are willing to pay more monthly
Platinum
Covers 90% of expected costs
-
Monthly Premium
Highest -
Out-of-Pocket Costs
Lowest -
Best For
People who need frequent care and are willing to pay high premiums
Frequently Asked ACA Questions
Get answers to common ACA questions. Our advisors are also available to address your specific concerns.
You can enroll during the annual Open Enrollment Period (typically November 1 to January 15). You may also qualify for a Special Enrollment Period if you've experienced certain life events like losing health coverage, moving, getting married, having a baby, or adopting a child.
Eligibility for premium tax credits and cost-sharing reductions depends on your household income and family size. Generally, households with income between 100% and 400% of the federal poverty level may qualify for premium tax credits. Our advisors can help determine your eligibility.
All ACA-compliant health plans must cover essential health benefits, including preventive services, emergency services, hospitalization, prescription drugs, maternity and newborn care, mental health services, laboratory services, pediatric services, and more.
No. Under the Affordable Care Act, insurance companies cannot deny you coverage or charge you more based on pre-existing health conditions. They also cannot limit benefits for pre-existing conditions.
Choosing the right plan depends on your healthcare needs, budget, preferred doctors, and medications. Our licensed advisors can help you compare plans and find the best fit for your specific situation.
Have more questions about Medicare? Our licensed advisors are ready to help.
Get Expert Medicare Guidance
Our licensed Medicare specialists can help you understand your options and find the right coverage for your needs and budget.
- Most callers speak with an advisor in under 60 seconds
Ready to Find Affordable Health Coverage?
Our licensed health insurance advisors are standing by to help you navigate your options and find the perfect coverage.