Federal and state exchange plans with potential premium tax credits. We help you find the best plan and every dollar of subsidy you qualify for — at no cost to you.
The Affordable Care Act (ACA) created federal and state Health Insurance Marketplaces where individuals and families can purchase comprehensive health coverage. Depending on your income, you may qualify for a Premium Tax Credit (PTC) that significantly reduces what you pay each month.
All ACA plans must cover essential health benefits — including preventive care, emergency services, hospitalization, prescription drugs, and mental health services — and cannot deny coverage for pre-existing conditions.
Our job is to find the plan that gives you the right coverage at the right price, and to make sure you're receiving every subsidy dollar you're entitled to.
Plan pays ~60% of costs. Good if you're young and healthy and mainly need catastrophic protection.
Plan pays ~70%. Cost-Sharing Reductions (CSR) are only available on Silver plans — making them often the best value for those who qualify.
Plan pays ~80%. Great if you use medical care frequently and want predictable costs.
Plan pays ~90%. Best for people with frequent medical needs who want maximum coverage.
The main window to enroll in or change Marketplace coverage each year. Typically runs November 1 through January 15 for most states (federal Marketplace). Coverage begins January 1 if you enroll by December 15.
Certain life events let you enroll outside Open Enrollment. Qualifying events include:
Expert guidance at no charge. We find the plan that fits your life and budget.