Overview
The Affordable Care Act (ACA) Marketplace offers health insurance plans for individuals and families who don't have access to affordable employer-based coverage. Many people qualify for premium tax credits and cost-sharing reductions based on income.
Key Details
What You Should Know
Essential Health Benefits
All ACA-compliant plans cover 10 essential health benefits: doctor visits, hospitalization, emergency services, maternity and newborn care, mental health and substance use services, prescription drugs, lab services, pediatric care, and preventive/wellness services.
Metal Tiers
Plans are categorized as Bronze, Silver, Gold, and Platinum. They differ by how you and the plan share costs — not by the quality of care. Bronze has the lowest monthly premium and highest out-of-pocket costs; Platinum is the reverse.
Financial Assistance
Premium tax credits lower your monthly premium, and cost-sharing reductions reduce your out-of-pocket costs (deductibles, copays). Cost-sharing reductions apply only to Silver plans for those who qualify.
Appointments
Appointed Carriers
Calendar
Important Dates
Open Enrollment
November 1 – January 15 (dates may vary by state). Enroll by December 15 for coverage starting January 1.
Special Enrollment Period
Triggered by qualifying life events such as marriage, birth or adoption, loss of other coverage, or a move to a new coverage area.
Official Resources
