Health Insurance
Quality health coverage with savings you may not know about
Whether you're self-employed, between jobs, or simply need individual or family coverage, the Health Insurance Marketplace offers a range of affordable plans. Many Americans qualify for premium subsidies that significantly reduce their monthly costs, and a licensed agent can help you find out for free.
Key Benefits
Premium Subsidies Available
Millions of Americans qualify for subsidies that lower their monthly premiums, sometimes to $0. Find out if you qualify in minutes with help from a licensed agent.
Pre-Existing Conditions Covered
ACA plans cannot deny you coverage or charge you more for any pre-existing health condition. Everyone is guaranteed coverage during enrollment periods.
Essential Health Benefits
All marketplace plans cover 10 essential health benefits including hospitalization, maternity care, mental health services, prescription drugs, and preventive care at no cost.
Choose Your Metal Tier
Select from Bronze, Silver, Gold, or Platinum plans based on how you want to balance your monthly premium with out-of-pocket costs when you need care.
Free Preventive Care
Get important preventive services like annual checkups, screenings, immunizations, and counseling at absolutely no cost to you, even before meeting your deductible.
Family Coverage Options
Cover your entire family under one plan, including children up to age 26. Subsidies are calculated based on your total household income and family size.
How It Works
Enter Your Zip Code
Tell us where you live so we can find plans available in your area.
Compare Plans
Review coverage options side by side and see what fits your needs and budget.
Enroll with an Expert
A licensed agent guides you through enrollment at no cost to you.
Frequently Asked Questions
The Health Insurance Marketplace, established by the Affordable Care Act, is where individuals and families can shop for and enroll in health insurance plans. Plans are offered in metal tiers (Bronze, Silver, Gold, Platinum) that indicate how costs are shared between you and the plan. Many people qualify for premium subsidies and cost-sharing reductions that make coverage more affordable.
Premium subsidies are based on your household income and are available to people earning between 100% and 400% of the federal poverty level, though recent legislation has extended enhanced subsidies to higher income levels as well. The only way to know for sure is to check your eligibility based on your current income and household size. A licensed agent can help you determine your subsidy amount at no cost to you.
The annual Open Enrollment Period for ACA health insurance typically runs from November 1 through January 15 in most states, though some states with their own exchanges have different deadlines. Outside of open enrollment, you may qualify for a Special Enrollment Period if you experience a qualifying life event such as losing other coverage, getting married, having a baby, or moving to a new area.
The metal tiers indicate how costs are shared. Bronze plans have the lowest premiums but highest out-of-pocket costs, covering about 60% of healthcare expenses. Silver plans cover about 70%, Gold covers about 80%, and Platinum covers about 90%. Silver plans are the only tier that qualifies for cost-sharing reductions if your income is eligible, making them the best value for many people.
Yes, all ACA marketplace plans are required to cover pre-existing conditions. Insurance companies cannot deny you coverage, charge you more, or refuse to cover treatment for any pre-existing health condition. This is one of the most important consumer protections established by the Affordable Care Act.
Absolutely. The Health Insurance Marketplace is one of the best options for self-employed individuals, freelancers, and gig workers. You may qualify for premium subsidies based on your income, and you can deduct your health insurance premiums on your tax return. A licensed agent can help you find the most cost-effective plan for your situation.
Plan Select is not affiliated with or endorsed by HealthCare.gov or any state exchange. We can help you explore options available through the Health Insurance Marketplace.