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💚 Affordable Care Act Coverage

Quality Health Insurance You Can Afford

Find quality, affordable health insurance through the ACA marketplace. Compare Bronze, Silver, Gold, and Platinum plans and see if you qualify for premium tax credits to lower your costs.

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Tax Credits Available
No Pre-existing Exclusions
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10
Essential Benefits
4
Metal Tier Levels
$0
Preventive Care Cost
100%
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ACA BASICS

What is the Affordable Care Act?

The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive healthcare reform law that makes quality health insurance more affordable and accessible for millions of Americans.

Essential Benefits

All plans cover 10 essential health benefits including preventive care, emergency services, and prescription drugs.

Financial Help

Premium tax credits and cost-sharing reductions available based on your income to make coverage more affordable.

Pre-existing Conditions

Cannot be denied coverage or charged more due to pre-existing health conditions.

ACA Plan Metal Tiers

ACA plans are categorized into metal tiers based on how you and the plan share costs. All tiers cover the same essential health benefits.

Bronze Plans

Plan pays ~60%

You pay ~40%

Lowest monthly premiums but highest out-of-pocket costs when you need care.

Best for:

  • • Young, healthy individuals
  • • Those who rarely need medical care
  • • People who want protection from worst-case scenarios

Silver Plans

Plan pays ~70%

You pay ~30%

Moderate monthly premiums and moderate out-of-pocket costs. Eligible for cost-sharing reductions.

Best for:

  • • Most people seeking balance
  • • Those eligible for cost-sharing reductions
  • • Individuals with moderate healthcare needs

Gold Plans

Plan pays ~80%

You pay ~20%

Higher monthly premiums but lower out-of-pocket costs when you need care.

Best for:

  • • Those who use healthcare services frequently
  • • People with ongoing medical needs
  • • Individuals who prefer predictable costs

Platinum Plans

Plan pays ~90%

You pay ~10%

Highest monthly premiums but lowest out-of-pocket costs when you need care.

Best for:

  • • Those who use healthcare services very frequently
  • • People with serious or chronic conditions
  • • Individuals who want maximum coverage

10 Essential Health Benefits

All ACA marketplace plans must cover these essential health benefits:

Ambulatory Patient Services

Outpatient care without hospital admission

Emergency Services

Emergency room visits and ambulance services

Hospitalization

Inpatient hospital care and surgery

Maternity & Newborn Care

Pregnancy, childbirth, and newborn care

Mental Health Services

Mental health and substance use disorder services

Prescription Drugs

Prescription medication coverage

Rehabilitative Services

Physical and occupational therapy

Laboratory Services

Lab tests and diagnostic services

Preventive Services

Wellness visits, screenings, and immunizations

Pediatric Services

Dental and vision care for children

ACA Enrollment Periods

Open Enrollment Period

November 1 - January 15 each year (dates may vary by state).

This is the main period when anyone can enroll in or change their ACA marketplace health insurance plan.

Special Enrollment Period (SEP)

You may qualify for a Special Enrollment Period if you experience certain life events:

  • • Loss of health coverage
  • • Getting married or divorced
  • • Having a baby or adopting a child
  • • Moving to a new coverage area
  • • Changes in household income

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