Health coverage options, explained clearly.
Explore Marketplace plan options, learn about potential savings, and connect with a licensed insurance agent for enrollment assistance. No jargon, no pressure.
Check Your Eligibility
Takes about 40 seconds
Your information helps us estimate which Marketplace coverage and savings options may be available to you. Actual eligibility and savings are determined by the applicable Marketplace and plan provider.
A simple way to explore Marketplace coverage options.
Here's how we walk through coverage options with you, step by step.
A few straightforward questions
Income, family size, zip code, and whether anyone in your household currently has Medicaid or Medicare coverage. That's all we need to get started.
Bronze through Platinum
We walk you through available plan tiers, explain how premiums and cost-sharing work, and help you understand the plans that may fit your situation.
A real person, on the phone
A licensed insurance professional reviews available options with you, answers your questions, and assists with the enrollment process if you decide to move forward.
Four metal tiers. Different coverage options.
Each Marketplace metal tier represents a different way of sharing healthcare costs. Premiums, deductibles, cost-sharing, and benefits vary by plan, insurer, and state.
| Tier | Typical monthly premium | Typical deductible | Generally suited for |
|---|---|---|---|
| Bronze | Lower | Higher | Those who rarely visit the doctor and want lower monthly costs |
| Silver | Moderate | Moderate | Those who may qualify for cost-sharing reductions |
| Gold | Higher | Lower | Those managing ongoing conditions or seeing specialists regularly |
| Platinum | Highest | Lowest | Those who expect significant medical costs during the plan year |
Premium and deductible ranges are general descriptions only. Actual plan premiums, deductibles, and out-of-pocket costs vary by insurer, location, household, and plan year. A licensed agent can help you review specific plan details available in your area.
What we do differently.
Licensed insurance professionals
Every enrollment is assisted by a licensed health insurance professional. You work with a real person — not an automated system.
Potential savings shown up front
When applicable, estimated premium tax credits may be reflected in the plan premium displayed. Final eligibility and savings amounts are determined through the applicable Marketplace process.
Renewal support available
We can help you review your options when it's time to renew or when your circumstances change. Income and household size can affect your coverage options from year to year.
Special enrollment guidance
Certain life events — such as losing other coverage, moving, getting married, or having a baby — may qualify you for a Special Enrollment Period. Eligibility rules apply.
Post-enrollment support
Get help understanding your coverage and where to find plan or insurer support after enrollment. Coverage questions don't stop once you're signed up.
No separate fee to use our service
There is generally no separate fee to use our enrollment assistance. Compensation may be received from participating insurance providers. Compensation arrangements may vary by carrier and plan.
What people find helpful.
Common reasons people use our enrollment assistance service.
Clear Plan Comparisons
Understand premiums, deductibles, and coverage options more easily by reviewing plan details side by side with the help of a licensed professional.
Enrollment Guidance
Get assistance navigating available Marketplace options, understanding the enrollment process, and completing your application with confidence.
Straightforward Information
Review important plan details before making a decision. Our agents explain coverage options in plain terms so you can make an informed choice.
Before you talk to an agent.
What is the ACA Marketplace? +
The ACA Marketplace is the system created under the Affordable Care Act where individuals and families who do not get coverage through an employer can compare and buy health insurance. Depending on your household income, you may qualify for a premium tax credit that lowers your monthly premium. Eligibility is determined through the applicable Marketplace.
Do I have to enroll during open enrollment? +
In most cases, yes — open enrollment runs once a year. Outside of that window, you can only enroll if you qualify for a Special Enrollment Period, usually triggered by a qualifying life event such as losing other coverage, moving, getting married, or having a baby. Eligibility rules apply. Check current enrollment dates at HealthCare.gov.
What if my income changes during the year? +
Changes in household income may affect eligibility for premium tax credits or other Marketplace savings. Report applicable changes through the appropriate Marketplace process. Your agent can help you understand how to update your information and what options may be affected.
Is HealthACA affiliated with the government? +
No. HealthACA is an independent health insurance enrollment assistance service. We are not affiliated with, endorsed by, or operated by the U.S. government, HealthCare.gov, the Centers for Medicare & Medicaid Services (CMS), or any state or federal government agency.
How much does it cost to use HealthACA? +
There is generally no separate fee to use our enrollment assistance service. Insurance premiums are paid directly to the applicable insurance provider. Compensation may be received from participating insurance providers. Compensation arrangements may vary by carrier and plan.
What happens after I submit the eligibility form? +
A licensed insurance professional will reach out to confirm your details, review available plans in your area, and assist with enrollment if you decide to move forward. There is no obligation to enroll.
When is open enrollment? +
Open enrollment periods and dates vary by plan year and state. Certain qualifying life events may allow enrollment outside the standard open enrollment period. We recommend checking current enrollment dates at HealthCare.gov before applying.
Ready to explore your coverage options?
Complete a short eligibility questionnaire to explore potential Marketplace coverage and savings options. Final eligibility is determined through the applicable Marketplace process. Your information is used to process your request. See our Privacy Policy for details.