Monthly Premium
The amount you pay each month to keep your health insurance active.
Individual & family coverage
ACA Marketplace Health Insurance made easier to understand.
Compare ACA Marketplace and individual health insurance options based on cost, coverage, provider networks, prescriptions, and your household needs.
Understanding ACA coverage
What is ACA health insurance?
ACA health insurance is individual and family major medical coverage that meets requirements established under the Affordable Care Act. These plans are available through the federal Health Insurance Marketplace, state-based Marketplaces, and in some cases directly through insurance carriers.
ACA plans may be a good fit for people who don't have health insurance through an employer, are self-employed, recently lost other coverage, retired before becoming eligible for Medicare, or need to purchase health insurance on their own.
Instead of focusing only on the monthly premium, we help you look at how the entire plan works, including deductibles, copays, maximum out-of-pocket costs, provider networks, prescriptions, and the way you expect to use healthcare.
Comparing your options
What should you look at when choosing an ACA plan?
The lowest monthly premium isn't always the best fit. Your healthcare needs, doctors, medications, expected usage, and budget can all affect which plan makes sense for you.
Deductible
The amount you may need to pay toward certain covered services before the plan begins sharing more of the cost.
Provider Network
Plans can use different doctor, hospital, and healthcare provider networks. Checking your preferred providers is an important part of comparing coverage.
Prescription Coverage
Drug formularies can vary by plan. Reviewing your medications can help you understand potential prescription costs.
Copays & Coinsurance
Copays and coinsurance are different ways you share the cost of covered healthcare services with your insurance plan.
Maximum Out-of-Pocket
The most you may pay during the plan year for covered in-network services that count toward your plan's out-of-pocket limit.
Marketplace savings
Can ACA health insurance be more affordable?
Some households may qualify for financial assistance when purchasing coverage through the Health Insurance Marketplace. Eligibility and the amount of assistance available can depend on household income, household size, location, and other eligibility requirements.
We can help you compare Marketplace plans and understand how available savings may affect your coverage options and monthly premium.
Eligibility for financial assistance is determined by the applicable Health Insurance Marketplace and is not guaranteed.
Enrollment timing
When can you enroll in ACA health insurance?
Most people enroll in ACA health insurance during the annual Open Enrollment Period. Depending on your circumstances, you may also be able to enroll outside of Open Enrollment through a Special Enrollment Period.
Examples of life events that may affect enrollment eligibility include:
- Losing qualifying health coverage
- Getting married
- Having or adopting a child
- Moving to a new coverage area in certain circumstances
- Other qualifying household or coverage changes
Special Enrollment Period eligibility depends on your specific circumstances and Marketplace requirements.
How we help
Health insurance is more than a monthly premium.
We help you compare ACA health insurance options based on your needs, healthcare usage, and budget.
- Compare available health insurance options
- Review costs, benefits, and provider networks
- Check prescription coverage
- Review potential Marketplace savings
- Get help completing enrollment
- Ask questions before making a decision
Frequently asked questions
ACA Health Insurance FAQs
Is ACA insurance the same thing as Marketplace insurance?
The terms are often used together. Marketplace Insurance refers to ACA-compliant health plans available through the Health Insurance Marketplace.
Can I buy ACA insurance if I am self-employed?
Yes. Self-employed individuals may be able to purchase individual or family health insurance through the Marketplace, subject to eligibility requirements.
Can I enroll if I recently lost employer coverage?
Losing qualifying employer-sponsored health coverage may create a Special Enrollment Period. Eligibility and enrollment deadlines depend on your circumstances.
Can you help me check whether my doctor accepts a plan?
Yes. Provider networks can vary by plan, so checking your preferred doctors and hospitals is an important part of comparing coverage.
Can you help me compare prescription coverage?
Yes. Prescription formularies and costs can vary by plan. Reviewing your medications can help identify important differences between coverage options.
Let's find coverage that fits.
Tell us a little about your household, healthcare needs, and priorities. A licensed insurance advisor can help you review available coverage options.
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