ACA Health Insurance.
Individual & Family Coverage
The Affordable Care Act (ACA), often called Obamacare, created a marketplace where individuals and families can shop for health insurance. If you don’t get coverage through an employer, this is where you can find it.
Why ACA Health Insurance Matters.
Subsidies &
tax credits
Many people can qualify for reduced premiums or lower out-of-pocket costs based on income. We’ll calculate that for you.
Plan
Choice
We’ll help you find the most suitable plan based on zip code, income and date of birth.
Comprehensive benefits
Every ACA plan can include essentials like preventative care, prescription drugs, maternity coverage, and mental health services. Preexisting conditions are always covered.
Our role: You never pay us. We’re paid by the insurance carriers. Our job is to make sure you understand your options, enroll correctly, and have support all year long.
ACA Plan Levels (“Metal Tiers”)
All ACA marketplace plans include the same essential health benefits. The difference is how you and the insurance company split costs:
Bronze 🥉
Lowest monthly premium
Highest deductibles & out of pocket costs
Good if you’re healthy, rarely use care, and want protection mainly for worst case scenarios
“I want the cheapest option, just in case something big happens.”
Silver 🥈
Moderate premiums
Moderate deductibles/out of pocket
Unlocks Cost Sharing Reductions (CSR) for those who qualify
“Balanced choice, not too expensive, not too risky. Best if I qualify for extra savings.”
Gold 🏅
Higher premiums
Low deductibles & out of pocket costs
Great if you see doctors regularly or take prescriptions
“I’d rather pay more each month and less when I need care.”
Platinum 💎
Highest monthly premiums
Lowest out-of-pocket costs
Ideal for frequent healthcare users
“I want nearly everything covered when I walk into a doctor’s office.”
How ACA Subsidies Work.
One of the biggest benefits of ACA plans is the premium tax credit (subsidy), which can reduce your premium.
How it works
A “benchmark” Silver plan is set in your area.
The government caps what % of income you’re expected to pay.
If the benchmark plan costs more, the subsidy covers the difference.
Subsidies can be applied to any metal tier.
Example
Family of 3, household income: $55,000/year
Benchmark Silver plan: $1,500/month
Expected contribution: $400/month
Subsidy: $1,100/month
Final cost: $400/month instead of $1,500
Key Things to Know About ACA Health Insurance
Subsidies adjust if your income changes. Be sure to update your Marketplace info.
Subsidies reconcile at tax time (you may owe or get more back).
Even households making $100,000 or more can still qualify.
Bottom line: ACA subsidies make coverage far more affordable than most people expect. We’ll run the numbers for you so there are no surprises.
See If You Qualify for Reduced Cost ACA Coverage.
Request A Quote Today
ACA Health Insurance FAQs
See If You Qualify for Reduced Cost ACA Coverage
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Yes, most households qualify based on income and family size. Even households making over $100K can still get reduced premiums in some cases.
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ACA plans cover essential benefits (preventive care, prescriptions, maternity, mental health) and always cover pre-existing conditions. Short-term plans usually do not and can deny coverage.
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The Open Enrollment Period runs from November 1 - January 15 in most states. You may also qualify for a Special Enrollment Period if you’ve had a life event like losing employer coverage, moving, or getting married.
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It depends on the plan’s network. We’ll help you find a plan that keeps your preferred doctors and hospitals in network whenever possible.
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Premiums vary by age, location, and plan tier, but subsidies significantly reduce costs for most people. We’ll run the numbers so you’ll know your true cost upfront.
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Yes. You can apply for individual or family coverage on a single application, each person can pick the plan that fits their needs.