Affordable Health Insurance Through the ACA Marketplace
Find Quality, Affordable Health Insurance for You and Your Family.
The Healthcare Marketplace offers comprehensive health insurance plans with essential benefits and financial assistance for those who qualify. Whether you’re self-employed, between jobs, or don’t have employer coverage, we’ll help you navigate your options and potentially save thousands on health insurance premiums through tax credits.
Key Features
- Premium Tax Credits – Reduce monthly costs based on income and household size
- Essential Health Benefits – All plans cover doctor visits, prescriptions, preventive care, and more
- Pre-existing Conditions Covered – Cannot be denied coverage or charged more for health conditions
- Free Preventive Services – Annual checkups, screenings, and vaccines at no cost
- Choice of Metal Levels – Bronze, Silver, Gold, and Platinum plans to fit your budget and needs
Frequently Asked Question
A: The Healthcare Marketplace (also called the ACA Marketplace or “Obamacare”) is where individuals and families can shop for health insurance plans. All marketplace plans must cover essential health benefits including doctor visits, hospital stays, prescriptions, maternity care, mental health services, and preventive care at no additional cost.
A: The Marketplace is ideal for:
- Self-employed individuals and freelancers
- People without employer-sponsored coverage
- Early retirees not yet eligible for Medicare
- Those losing employer coverage
- Anyone seeking comprehensive, affordable health insurance
Our agents help determine if you qualify for premium subsidies that can significantly reduce costs.
A: Premium tax credits (subsidies) lower your monthly insurance costs if your household income is between 100-400% of the Federal Poverty Level. The credit amount depends on your income, family size, and local insurance costs. Many of our clients pay less than $100/month after subsidies, with some qualifying for $0 premium plans.
A: Most marketplace plans use provider networks. Before enrolling, we’ll verify your preferred doctors, specialists, and hospitals are in-network. With multiple carriers available including Blue Cross Blue Shield, Aetna, and others, we typically find plans that include your current providers.
A: You can enroll during:
Open Enrollment: November 1 – January 15 (for January 1 coverage).Special Enrollment: Within 60 days of qualifying life events like:
- Loss of employer coverage
- Marriage or divorce
- Birth or adoption
- Moving to a new area
- Income changes affecting subsidy eligibility
