ACA Health Insurance
Affordable, comprehensive health insurance plans that comply with the Affordable Care Act. Get coverage that protects you and your family.
What is ACA Health Insurance?
ACA insurance refers to health insurance plans that comply with the Affordable Care Act (ACA), a U.S. law aimed at making healthcare more accessible and affordable.
These plans must cover essential health benefits, such as hospitalization, preventive care, and prescription drugs, and they cannot deny coverage based on pre-existing conditions.
Key Benefits of ACA Plans
All plans cover 10 essential health benefits including hospitalization, preventive care, and prescription drugs.
Cannot be denied coverage or charged more based on pre-existing health conditions.
May qualify for subsidies based on income to help lower monthly premium costs.
Young adults can stay on parents' plans until age 26, providing extended coverage.
Why Work with an Independent Agent?
Market Exploration
Explore the entire market to find the best plan(s) for you and provide premium quotes from multiple carriers.
Expert Guidance
Discuss alternatives to ensure you fully understand your options and make an informed decision.
Enrollment Assistance
Get help enrolling in your chosen plan and navigating the application process.
Ongoing Support
Manage your account and address any issues with billing, eligibility, and claims throughout the year.
Renewal Help
Receive assistance with the renewal process to ensure continuous coverage.
Understanding ACA Health Insurance
Enrollment Periods
People can purchase ACA insurance through health insurance marketplaces during open enrollment periods, which typically run from November 1 to January 15 each year. However, you may also qualify for a special enrollment period if you experience certain qualifying life events, such as:
- Loss of health coverage
- Marriage or divorce
- Birth or adoption of a child
- Moving to a new state
Financial Assistance
Many people qualify for subsidies based on their income to help lower the cost of monthly premiums. These premium tax credits are available to individuals and families with household incomes between 100% and 400% of the federal poverty level. Additionally, cost-sharing reductions may be available to help lower out-of-pocket costs like deductibles and copayments.
Essential Health Benefits
All ACA-compliant plans must cover these 10 essential health benefits:
Ready to Find Your Health Insurance Plan?
Let us help you explore your options and find affordable coverage that meets your needs.