Healthcare Plans

The Federal Marketplace

🟠 The Affordable Care Act (ACA) aims to provide accessible health insurance for everyone, regardless of pre-existing conditions.

🟠 It created a marketplace where individuals and families can compare and purchase health insurance plans, often with subsidies.

🟠 The ACA mandates that insurance plans cover preventive services, like vaccinations and screenings, at no extra cost.

State-Based Marketplace

🟠 State-based marketplaces are created and operated by individual states under the Affordable Care Act (ACA) to provide residents with access to affordable health insurance.

🟠 They allow individuals and families to compare, choose, and enroll in health insurance plans—often with state or federal subsidies to help lower costs.

🟠 Like the federal marketplace, plans offered through state marketplaces must cover essential health benefits and preventive services at no additional cost.

🟠 Premium Tax Credits: These credits reduce the cost of your monthly premiums, making health insurance more affordable.

🟠 Cost-Sharing Reductions: If you qualify for a silver plan, cost-sharing reductions can lower your out-of-pocket expenses, such as deductibles, copayments, and coinsurance

🟠 Medicaid: If you meet specific income guidelines, you may qualify for Medicaid, which provides free or low-cost health coverage to eligible individuals and families.

Financial Assistance

🟠 The Open Enrollment Period is your annual chance to apply, renew, or change your health insurance plan. Dates vary, so be sure to mark your calendar! You can sign up for a Marketplace plan even without a qualifying life event.

🟠 You can qualify for a Special Enrollment Period if you experience certain life events, such as:

• Losing health coverage (job loss, aging out of a parent’s plan, etc.)

• Getting married or divorced

• Having a baby or adopting a child

• Moving to a new state

We are nationwide, including some state-based marketplaces, such as California, Georgia, Illinois, Maryland, New Jersey, New Mexico, and Pennsylvania.

Open Enrollment & Special Enrollment Periods