Health insurance · ACA Marketplace
Health coverage for individuals and families — and help with the cost.
Self-employed, between jobs, retiring early, or no coverage through work? We compare Affordable Care Act Marketplace plans in your state and check whether you qualify for premium tax credits that lower your monthly cost.
- Subsidy check included
- Licensed agents
- Help at renewal
Who we help
ACA plans are built for people without job-based coverage
Self-employed & 1099
Freelancers, contractors, gig workers and small business owners.
Early retirees
Bridge coverage until Medicare at 65.
Between jobs
Losing job-based coverage opens a Special Enrollment Period.
Families
Coverage for kids and spouses, with essential health benefits built in.
Metal tiers
Bronze, Silver, Gold, Platinum — what's the difference?
Tiers are about how you and the plan split costs, not the quality of care.
| Topic | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Plan pays (on average) | ~60% | ~70% | ~80% | ~90% |
| Monthly premium | Lowest | Moderate | Higher | Highest |
| Costs when you get care | Highest | Moderate* | Lower | Lowest |
| Good for | Healthy, low use | Most people with subsidies | Regular care | Frequent care |
*Silver plans can include cost-sharing reductions that lower deductibles for eligible incomes.
When you can enroll
Open enrollment and special enrollment
Every fall
Open Enrollment
For 2027 coverage on HealthCare.gov: Nov 1, 2026 – Jan 15, 2027. Enroll by Dec 15 to start Jan 1; enrollments Dec 16 – Jan 15 start Feb 1. State exchanges may differ.
Life changes
Special Enrollment
Usually 60 days after a qualifying life event, like losing other coverage, moving, marriage, or having or adopting a baby.
Anytime
Medicaid / CHIP
Lower-income households can apply any time of year. We'll point you in the right direction if you may qualify.
ACA FAQ
How are ACA subsidies calculated?
Premium tax credits are based on your estimated household income and size and the cost of the benchmark Silver plan where you live. The enhanced credits that ran from 2021 through 2025 have expired, so many people will see higher net premiums for 2027 — we'll check exactly what you qualify for.
Do I have to pay back my subsidy if my income changes?
Possibly. Starting with tax year 2026, there is no longer a cap on repaying excess advance premium tax credits. Estimate income carefully and report changes to the Marketplace during the year so your credit is adjusted.
Can I enroll outside Open Enrollment?
Only with a Special Enrollment Period triggered by a qualifying life event — or if you qualify for Medicaid or CHIP, which accept applications year-round.
What counts as a qualifying life event?
Common ones include losing other health coverage, moving to a new ZIP code or county, getting married, and having or adopting a child. You usually have 60 days from the event to enroll.
Can I keep my doctor?
Marketplace plans use provider networks. Before you enroll, we check that your doctors and prescriptions are covered by the plan you pick.
Sources
Last reviewed by a licensed agent. Figures change each year — confirm current amounts at the sources above.
Find out what you'd pay for 2027.
We check plans and tax credits in your state — free.