Comprehensive medical coverage
Plans designed to address a broad range of healthcare needs.
Coverage for individuals and families
Health Insurance Marketplace
The first step toward finding coverage
We begin by reviewing Health Insurance Marketplace options so you can compare coverage, benefits, and costs based on your situation.
The same coverage, different names
What is the Health Insurance Marketplace?
It is the system where individuals and families can apply for health coverage, compare available plans, and find out whether they may qualify for financial assistance.
ACA, Marketplace, Health Insurance Marketplace, and Obamacare are common terms used for this type of coverage. “Obamacare” is the popular name for the Affordable Care Act, or ACA.
Our starting point
Why start by reviewing ACA coverage?
The Marketplace brings together important consumer protections and available plans before other alternatives are considered.
Essential benefits
Includes the Essential Health Benefit categories established by the ACA.
Preexisting conditions
You cannot be denied coverage or charged more because of a preexisting condition.
Potential financial assistance
Some individuals and families may qualify for help lowering coverage costs.
Although ACA coverage is often our starting point, the right option depends on each individual’s or family’s needs and circumstances.
Comprehensive protection
What do ACA plans cover?
ACA-compliant plans include ten categories of Essential Health Benefits.
Outpatient care
Medical services received without hospitalization.
Emergency services
Care for medical emergencies.
Hospitalization
Services related to a covered hospital stay.
Maternity and newborn care
Care during pregnancy, delivery, and for newborns.
Mental health
Mental health and substance use disorder services.
Prescription drugs
Coverage for medications included under the plan.
Rehabilitative services
Covered rehabilitative and habilitative services and devices.
Laboratory services
Certain covered laboratory tests and services.
Preventive and wellness care
Preventive, wellness, and chronic disease management services.
Pediatric services
Pediatric care, including dental and vision coverage for children.
Specific services, provider networks, medications, costs, and terms vary by plan.
Could I receive financial assistance?
Some individuals and families may qualify for premium tax credits or other assistance based on estimated income, household composition, and applicable rules.
Consult an agentWhen can I enroll?
Open Enrollment Period
The annual period established to apply for or change Marketplace coverage.
Special Enrollment Period
Certain life events may allow enrollment outside the regular period. Eligibility depends on the circumstances.
Review whether I can enrollHow we help
Clear information before you choose
We can also help if you already have Marketplace coverage and want to review your current plan or available alternatives.
We review your situation
We learn about your needs, household, and circumstances.
We compare options
We review available plans using your information.
We explain coverage and costs
We clarify key benefits and responsibilities.
You decide
You choose with information and support throughout the process.
Every situation is different
Do you need to consider other coverage alternatives?
If Marketplace coverage does not fit your circumstances, budget, or desired coverage period, we can help you understand other available options.
Explore coverage alternativesHave more questions?
Find answers about ACA, the Marketplace, Obamacare, financial assistance, enrollment, and coverage.
View frequently asked questionsReady to review your options?
A licensed agent can help you understand available plans and their benefits and costs before you choose.
Eligibility, costs, premium tax credits, and plan availability depend on the applicant’s information, household, and service area. Completing an application does not guarantee eligibility, financial assistance, or enrollment.