MARKETPLACE INSURANCE
1. Navigate the Health Insurance Marketplace with Confidence
The Affordable Care Act (ACA) marketplace offers a variety of health insurance plans for individuals and families who don't have access to employer-sponsored coverage. However, understanding plan options, subsidy eligibility, and enrollment deadlines can be overwhelming.
That's where we come in. Our licensed agents are certified to help you enroll in marketplace plans, determine if you qualify for premium tax credits or cost-sharing reductions, and find a plan that fits your healthcare needs and budget.
2. Marketplace Plan Options
Marketplace plans are categorized into metal tiers based on how costs are shared between you and the insurance company:
- Bronze Plans: Lowest premiums, higher out-of-pocket costs
- Silver Plans: Moderate premiums and out-of-pocket costs (eligible for cost-sharing reductions)
- Gold Plans: Higher premiums, lower out-of-pocket costs
- Platinum Plans: Highest premiums, lowest out-of-pocket costs
- Catastrophic Plans: Available for individuals under 30 or with hardship exemptions
All plans cover essential health benefits including preventive care, prescription drugs, hospitalization, and more.
3. Are You Eligible for Financial Assistance?
Many people qualify for financial help that significantly reduces monthly premiums and out-of-pocket costs. Subsidies are based on your household income and family size. We'll help you determine your eligibility and maximize your savings.
4. Open Enrollment and Special Enrollment Periods
Marketplace coverage is available during the annual Open Enrollment Period, typically November 1 through January 15. However, if you experience a qualifying life event (like losing job-based coverage, getting married, or having a baby), you may qualify for a Special Enrollment Period.
Check your eligibility or speak to a certified agent to get started.