Access the Affordable Care Act marketplace with expert guidance. We help you find the right medical plan for your family at the best possible price — with subsidies you may qualify for.
ACA plans come in four network types, each offering different flexibility and cost structures.
Lower premiums with a primary care physician who coordinates your care. Referrals required for specialists. Must use in-network providers.
No referrals needed but must use the plan's network of providers. No out-of-network coverage except emergencies. Lower premiums.
Most flexibility — see any doctor in or out of network without a referral. Higher premiums but greater choice of providers.
Hybrid plan combining HMO and PPO features. Requires a primary care doctor but allows out-of-network visits with referral.
All levels cover essential health benefits. The difference is how costs are split between you and the insurer.
Lowest monthly premium. Highest out-of-pocket costs when you need care. Best if you're generally healthy and want emergency protection.
Moderate premium and costs. Eligible for Cost Sharing Reductions (CSR) based on income. Most popular choice for families.
Higher premium but lower out-of-pocket when you need care. Good if you use medical services frequently or have ongoing prescriptions.
Highest premium, lowest out-of-pocket expenses. Best for those who need regular, substantial medical care throughout the year.
To enroll in an ACA Marketplace plan, applicants generally need to meet these requirements.
Must reside legally in the United States. Valid immigration documents and status are required to enroll in a Marketplace plan.
A valid SSN is required to verify identity and process enrollment. ITIN is not accepted for ACA Marketplace plans.
Household income reported on tax returns is used to calculate eligibility for premium tax credits and subsidies.
Applicants currently receiving Medicare, Medicaid, or CHIP are generally not eligible for ACA Marketplace subsidies.
Our bilingual advisors will guide you through every step of the process — at no cost to you.