The Affordable Care Act makes quality health insurance accessible to millions of Americans. Discover your options, check your eligibility for subsidies, and enroll in a plan that fits your family's needs and budget.
See if you qualify for subsidized health coverage in minutes.
The Affordable Care Act (ACA), also known as Obamacare, ensures that every American can access quality health insurance regardless of pre-existing conditions, income level, or employment status. Whether you're shopping for individual coverage, family plans, or looking to see if you qualify for premium subsidies, we're here to guide you every step of the way.
With the Health Insurance Marketplace, you can compare plans side-by-side, understand what's covered, and find a plan that meets your healthcare needs without breaking the bank. Licensed specialists in our partner network specialize in helping consumers navigate the Marketplace to find the best value.
The ACA is a comprehensive healthcare reform law enacted in 2010 that expanded access to health insurance for millions of Americans.
The ACA created the Health Insurance Marketplace where individuals and families can shop for plans. It expanded Medicaid in participating states and allowed young adults to stay on parents' plans until age 26.
Insurers can no longer deny coverage or charge more based on pre-existing conditions. Plans must cover essential health benefits, and there are no lifetime or annual dollar limits on coverage.
Premium tax credits reduce monthly premiums for eligible individuals. Cost-sharing reductions lower deductibles and copays on Silver plans. Many families pay $0–$50/month for quality coverage.
ACA Marketplace plans are organized into four metal tiers. Each tier represents a different balance between monthly premium costs and out-of-pocket expenses when you receive care.
Financial assistance is available to help make health insurance affordable. Two types of savings are available through the Marketplace.
If your household income is between 100%–400% of the Federal Poverty Level (FPL), you likely qualify for premium tax credits that reduce your monthly insurance payment. For 2025–2026, enhanced subsidies under the Inflation Reduction Act make coverage even more affordable, with many households paying less than $100/month.
If your income falls between 100%–250% FPL and you choose a Silver plan, you automatically receive cost-sharing reductions. These lower your deductible, copays, and maximum out-of-pocket costs making your Silver plan perform like a Gold or Platinum plan.
Know when and how you can enroll in or change your ACA health plan.
The annual Open Enrollment Period typically runs from November 1 through January 15. During this window, anyone can apply for Marketplace coverage, switch plans, or update their information. Plans selected by December 15 generally start January 1.
You may qualify to enroll outside of open enrollment if you experience a qualifying life event such as:
Every ACA Marketplace plan is required to cover these essential health benefits, ensuring comprehensive coverage for you and your family.
Ready to find the right ACA plan for your family? Licensed specialists in our partner network are standing by to help.
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