Individual & family coverage
Marketplace plans made simple.
The ACA Marketplace offers powerful coverage options — but navigating plan types, subsidy eligibility, and enrollment windows can feel overwhelming. We break it all down and help you enroll in the plan that fits your life and budget.
What is the ACA Marketplace?
The Affordable Care Act (ACA) created the Health Insurance Marketplace — a place where individuals and families can shop for and enroll in private health insurance. Plans must cover essential health benefits, and many people qualify for financial assistance that significantly lowers their monthly premium.
Whether you're self-employed, between jobs, aging off a parent's plan, or simply looking for better coverage, the Marketplace may have an option that works for you.
You may qualify for financial help
Most of our clients pay less than they expect.
Premium Tax Credits
Lower your monthly premium based on your household income and size. Many individuals and families qualify for significant monthly savings — sometimes bringing premiums close to zero.
Cost-Sharing Reductions
Reduce your out-of-pocket costs like deductibles and copays. Available to those who qualify income-wise and enroll in a Silver-tier plan.
Medicaid & CHIP
If your income falls below a certain threshold, you may qualify for Medicaid or the Children's Health Insurance Program (CHIP), which offer low- or no-cost coverage.
Understanding the metal tiers
ACA plans are grouped into four tiers based on how costs are shared between you and the insurer.
Premium: Lowest monthly premium
Out-of-pocket: Highest out-of-pocket costs
Best for: Healthy individuals who rarely need care and want to minimize monthly costs.
Premium: Moderate monthly premium
Out-of-pocket: Moderate out-of-pocket costs
Best for: Most people — especially those who qualify for cost-sharing reductions, which are only available on Silver plans.
Premium: Higher monthly premium
Out-of-pocket: Lower out-of-pocket costs
Best for: Those who expect to use their insurance regularly and want predictable costs.
Premium: Highest monthly premium
Out-of-pocket: Lowest out-of-pocket costs
Best for: People with significant ongoing medical needs who want maximum coverage and minimal cost-sharing.
When can you enroll?
Open Enrollment
The annual window — typically November 1 through January 15 — when anyone can enroll in or change a Marketplace plan. Coverage begins January 1 if you enroll by December 15.
Special Enrollment Period
Certain life events — losing job-based coverage, getting married, having a baby, moving, or losing Medicaid eligibility — trigger a 60-day Special Enrollment Period outside the standard window.
Medicaid & CHIP
Medicaid and CHIP enrollment is open year-round. If you qualify, you can apply and receive coverage at any time — no waiting for an enrollment window.
How we help you enroll
Review your situation
We start with a free conversation to understand your income, household size, current coverage, and what matters most to you in a health plan.
Compare your options
We walk you through the plans available in your area, explain your subsidy eligibility, and help you compare costs and benefits side by side.
Enroll with confidence
We guide you through the enrollment process step by step — so you know exactly what you're signing up for and when your coverage begins.
Ready to find the right plan?
A free, no-pressure conversation is all it takes. We'll help you understand your options and enroll in coverage that fits your life.