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Getting Started

Affordable Care Act (ACA)

Find affordable, high-quality health insurance through the ACA Marketplace. Whether you're an individual, a family, or a small business, the ACA ensures access to comprehensive health coverage that meets your needs and budget.

ACA

What Is the ACA Marketplace?

The ACA Health Insurance Marketplace is a government-operated platform where individuals, families, and small businesses can shop for, compare, and purchase health insurance plans. The marketplace offers a variety of health coverage options that comply with ACA regulations, ensuring essential health benefits for everyone.

Eligibility

Who Can Use the Marketplace?

  • Individuals and Families: If you don’t receive health insurance through an employer, the marketplace provides comprehensive plans that fit your healthcare needs.
  • Small Businesses: Through the Small Business Health Options Program (SHOP), employers with fewer than 50 full-time employees can offer affordable health insurance options to their staff.

Research

Why Choose the ACA Marketplace?

  • Comprehensive Coverage: All ACA Marketplace plans cover the 10 essential health benefits, including preventive care, maternity, emergency services, prescriptions, and more.
  • Affordable Options: Depending on your income, you may qualify for tax credits and subsidies to help lower monthly premiums and out-of-pocket costs.
  • No Pre-Existing Condition Exclusions: You can’t be denied coverage or charged more because of pre-existing health conditions.
  • Flexible Plans: Choose from different levels of coverage (Bronze, Silver, Gold, and Platinum), designed to meet a variety of needs and budgets.

Plans

Types of Plans Available

The ACA Marketplace offers four “metal” tiers of health insurance plans:

  • Bronze: Lower premiums but higher out-of-pocket costs. Suitable for those who want minimal monthly payments and are generally healthy.
  • Silver: A balance of moderate premiums and out-of-pocket costs. Many qualify for cost-sharing reductions with Silver plans.
  • Gold: Higher premiums but lower out-of-pocket expenses. Best for those who anticipate regular healthcare needs.
  • Platinum: Highest premiums but the lowest out-of-pocket costs. Ideal for those with frequent healthcare needs.

Affordability

Financial Assistance: Making Coverage Affordable

  • Comprehensive Coverage: All ACA Marketplace plans cover the 10 essential health benefits, including preventive care, maternity, emergency services, prescriptions, and more.
  • Affordable Options: Depending on your income, you may qualify for tax credits and subsidies to help lower monthly premiums and out-of-pocket costs.
  • No Pre-Existing Condition Exclusions: You can’t be denied coverage or charged more because of pre-existing health conditions.
  • Flexible Plans: Choose from different levels of coverage (Bronze, Silver, Gold, and Platinum), designed to meet a variety of needs and budgets.

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