ACA Health Insurance
Marketplace health coverage, without the guesswork.
If you do not get health insurance through an employer, the ACA Marketplace is where most individuals and families shop. We help you compare plans, check whether you may qualify for financial help, and enroll correctly.
Who the Marketplace is for
People who are self employed, working part time, between jobs, retired but not yet 65, or working for an employer that does not offer coverage.
You generally enroll during Open Enrollment in the fall, or during a Special Enrollment Period after a qualifying life event such as losing employer coverage, moving, getting married, or having a baby. Special Enrollment Periods are time limited, so act promptly after a life event.
What we compare together
Monthly premium is only part of the picture. We also look at the deductible, copays, coinsurance, the out of pocket maximum, and whether your doctors and prescriptions are covered.
Many shoppers qualify for premium tax credits that lower the monthly cost, based on household size and estimated income. We can help you understand how subsidies work. We cannot promise that you will qualify for a subsidy or for a zero dollar premium, because eligibility is determined through the Marketplace application.
How we help
We walk through your application with you, help you estimate income carefully, and explain how to report life changes during the year so your coverage and your subsidy stay accurate.
If a Marketplace plan is not the right fit, we will say so and talk through what other options may exist.
Common questions
When can I enroll?
During the annual Open Enrollment Period, or within a limited window after a qualifying life event. Call us at 754-223-9856 and we will help you check your timing.
Can you guarantee a low premium?
No. Premiums and subsidies depend on your household, income, location, and the plans available. Anyone who guarantees a price before an application is not being straight with you.
Is there a cost to use an agent?
There is no separate charge to you for our help enrolling in a Marketplace plan.
Talk it through with a licensed agent
Tell us a little about what you need. A licensed agent will follow up during business hours, Monday to Friday, 9 AM to 6 PM ET. No pressure and no obligation.
Not sure which coverage fits? Start with a free review.
We will look at what you have, explain your options in plain language, and help you compare. If you already have the right coverage, we will tell you that too.