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ACA Marketplace
Individual & family plans with subsidies
Individual and family health coverage with income-based premium tax credits that can substantially cut your monthly cost.
How ACA Marketplace works
Affordable Care Act Marketplace plans are individual and family health insurance policies sold in metal tiers (Bronze, Silver, Gold and Platinum) that describe how you and the plan split costs. Every Marketplace plan must cover the ten essential health benefits, cannot deny you or charge more for a pre-existing condition, and cannot impose annual or lifetime dollar limits on essential care. Most enrollees qualify for a premium tax credit based on household income and size, and many households under 250% of the federal poverty level also qualify for cost-sharing reductions, which are only available on Silver plans. Because the subsidy is calculated against a benchmark Silver plan in your area, the cheapest plan on paper is often not the cheapest plan for you. Comparing after-subsidy costs is what actually matters.
Questions
ACA Marketplace: common questions
How do I know if I qualify for a subsidy?
Eligibility depends on your expected household income for the coverage year, your household size, and whether you have an offer of affordable employer coverage. The Marketplace makes the official determination. A licensed agent can give you a solid estimate in a few minutes so you know what to expect.
What is the difference between Bronze, Silver, Gold and Platinum?
The metal tier describes how costs are split, not the quality of care. Bronze has the lowest premium and highest out-of-pocket costs; Platinum is the reverse. Silver is worth special attention because cost-sharing reductions are only available on Silver plans. For many lower-income households a Silver plan ends up cheaper overall than Bronze.
Can I enroll outside of Open Enrollment?
Only with a qualifying life event such as losing other coverage, moving, marriage, divorce, or the birth or adoption of a child. That opens a Special Enrollment Period, typically 60 days from the event.
Not sure which plan is right for you?
That’s the normal starting point. Tell a licensed agent what matters to you (your doctors, your prescriptions, your budget) and they’ll narrow it down. No cost, no obligation.
When we’re available
- Monday – Friday
- 07:00 – 20:00
- Saturday
- 08:00 – 18:00
- Sunday
- 09:00 – 17:00
Outside these hours, submit a quote request and an agent will call you back on the next business day. TTY users dial 711.
Other options
Related coverage you may also need
Most people combine a primary plan with one or two add-ons.
Important information
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, or consult your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
InsuranceQuoteBase LLC is a private entity and is not affiliated with, endorsed by, or sponsored by the U.S. government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), or the Health Insurance Marketplace.