Affordable Health Insurance for You and Your Family
Compare ACA Marketplace plans with tax credits and subsidies.
Get personalized recommendations from licensed health insurance specialists to find coverage that fits your budget.
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Compare ACA Plan Metal Tiers
Find the right balance between monthly costs and coverage.
Bronze Plans
Lower monthly premiums with higher out-of-pocket costs.
- Lowest monthly premiums
- 60% average coverage level
- Good for healthy individuals
- Covers catastrophic expenses
Silver Plans
Balanced premiums and out-of-pocket costs for most families.
- Moderate monthly premiums
- 70% average coverage level
- Qualifies for cost-sharing reductions
- Most popular plan tier
Gold & Platinum Plans
Higher premiums with lower costs when you need care.
- Higher monthly premiums
- 80-90% average coverage level
- Lower deductibles and copays
- Best for frequent medical needs
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Preguntas Frecuentes
When can I enroll in an ACA Marketplace health plan?
You can enroll, renew or change a Marketplace health plan during the Open Enrollment Period — for example, for most states the window runs November 1 through January 15 for the upcoming year.
Outside that period, you generally need a qualifying life event (such as marriage, birth of a child, relocation, loss of other coverage) to trigger a Special Enrollment Period.
How do premium tax credits (subsidies) work for ACA plans?
Under the Affordable Care Act, eligible individuals and families who buy coverage through the Marketplace may qualify for the “Premium Tax Credit (PTC)” which is refundable and can reduce your monthly premium.
The amount depends on your estimated annual income, household size, and the cost of benchmark plans in your area.
Furthermore, recent enhancements temporarily expanded eligibility and increased subsidy amounts, which may change in the future.
How much will I pay for an ACA-Marketplace plan and what determines it?
Your out-of-pocket premium for a Marketplace plan is influenced by:
– The plan you choose (Bronze, Silver, Gold)
– Your location (state / zip)
– Your household income (relative to the Federal Poverty Level)
For example, policy analysis shows that if enhanced subsidies expire, enrollees could pay more than double what they are paying now.
What happens if I miss Open Enrollment — can I still enroll?
If you miss the Open Enrollment Period for Marketplace plans, you generally cannot sign up until the next year unless you experience a qualifying life event that triggers a Special Enrollment Period (SEP).
It’s important to act quickly after the event, as SEPs have specific rules and timeframes.
Ready to Find Your Perfect Health Insurance Plan?
Missed Open Enrollment? You may still qualify with a Special Enrollment Period. Get your free quotes today and see if you’re eligible for financial assistance.
