Health Insurance Marketplace Plans
Affordable, ACA-compliant health plans for individuals and families with potential savings based on your income.
Health Insurance Marketplace Plan
Affordable, ACA-compliant health plans for individuals and families with potential savings based on your income.
What Is the Health Insurance Marketplace?
The Health Insurance Marketplace (also known as the Exchange) is where
individuals and families can shop for ACA-compliant health coverage.Plans are organized into metal tiers based on how costs are shared between you and
the insurer.
Plan Tiers Explained
Each tier balances monthly premiums and out-of-pocket costs differently.
Bronze
Lower monthly premiums, higher out-of-pocket costs. Best if you want basic coverage and don't expect many medical visits.
Silver
Moderate premiums and costs. Good balance for most people. Eligible for cost-sharing reductions if you qualify.
Gold
Higher premiums, lower out-of-pocket costs. A strong choice if you use healthcare services regularly.
Platinum
Highest premiums, lowest costs when you need care. Best for people with frequent medical needs.
Plan Tiers Explained
Each tier balances monthly premiums and out-of-pocket costs differently.
Bronze
Lower monthly premiums, higher out-of-pocket costs. Best if you want basic coverage and don't expect many medical visits.
Silver
Moderate premiums and costs. Good balance for most people. Eligible for cost-sharing reductions if you qualify.
Gold
Higher premiums, lower out-of-pocket costs. A strong choice if you use healthcare services regularly.
Platinum
Highest premiums, lowest costs when you need care. Best for people with frequent medical needs.
Essential Health Benefits
Every Marketplace plan must cover these 10 essential health benefit categories.
Doctor visits & hospitalizations
Prescription drug coverage
Maternity & newborn care
Mental health & substance use services
Preventive care at no additional cost
Lab tests & diagnostics
Emergency & urgent care
Pediatric dental & vision
Essential Health Benefits
Every Marketplace plan must cover these 10 essential health benefit categories.
Doctor visits & hospitalizations
Prescription drug coverage
Maternity & newborn care
Mental health & substance use services
Preventive care at no additional cost
Lab tests & diagnostics
Emergency & urgent care
Pediatric dental & vision
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Common Medicare Questions
When is Open Enrollment for Marketplace plans?
The annual Open Enrollment Period typically runs from November 1 through January 15. You may also qualify for a Special Enrollment Period due to life events like marriage, a new baby, or loss of other coverage.
Can I get help paying for a Marketplace plan?
Yes. Depending on your household income, you may qualify for premium tax credits that lower your monthly payments, or cost-sharing reductions that lower your deductibles and copays.
What if I'm self-employed?
Self-employed individuals can purchase coverage through the Marketplace and may qualify for the same subsidies as anyone else based on income.
Let Us Help You Find the Right Marketplace Plan
Our licensed advisors will help you compare options side-by-side completely free
Let Us Help You Find the Right Marketplace Plan
Our licensed advisors will help you compare options side-by-side completely free
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