Health Coverage Under the ACA
Get expert help finding an Affordable Care Act plan that fits your health and your budget.
What Is the Affordable Care Act?
The Affordable Care Act (ACA) provides access to affordable health insurance for individuals and families—especially if you’re self-employed or don’t have job-based coverage. We help you find a plan that fits your life and qualifies you for savings.

How We Help You Navigate the Marketplace
Estimate your subsidy
Compare plans by cost and benefits
Enroll before deadlines, without stress
Your Options
ACA Plan Levels

Bronze Plan
Lower monthly premiums but higher costs when you need care—ideal if you’re generally healthy and want to protect against worst-case scenarios.
Silver Plan
Gold Plan
Higher monthly premiums but lower costs when receiving care—best for those with frequent medical needs or ongoing conditions.
Platinum Plan
HMO vs. PPO
HMOs require in-network providers and referrals; PPOs offer more flexibility to see specialists without referrals, even outside the network.
Why Work With Us
- No-cost support from licensed agents
- We help you maximize savings
- Transparent explanations of what’s covered
- Support for mid-year changes or special enrollments

Frequently Asked Questions
What is the Affordable Care Act (ACA)?
The ACA is a comprehensive health care reform law enacted in March 2010. Its goals are to:
Increase health insurance coverage
Lower health care costs
Expand Medicaid
Improve healthcare quality
Who qualifies for ACA health insurance?
Generally, U.S. citizens and legal residents who live in the U.S. and are not incarcerated can apply. Income level and household size determine eligibility for subsidies.
How do I apply for ACA coverage?
You can apply:
Online at HealthCare.gov
Through your state’s marketplace
By phone or with help from a navigator or broker
Is ACA insurance free?
Not usually. However, you may qualify for premium subsidies or cost-sharing reductions based on your income.
What does ACA insurance cover?
All ACA plans must include:
Emergency services
Hospitalization
Maternity and newborn care
Mental health services
Prescription drugs
Preventive services, and more
Can I keep my doctor?
That depends on the plan you choose. Check if your doctor is in the network before enrolling.
When is the Open Enrollment Period?
Typically from November 1 to January 15, but dates may vary by state.
Can I get coverage outside of Open Enrollment?
Yes, if you qualify for a Special Enrollment Period (SEP) due to events like:
Losing other health coverage
Marriage or divorce
Birth or adoption of a child
Moving to a new ZIP code
Is there a penalty for not having ACA insurance?
At the federal level, the penalty was repealed in 2019. However, some states (like California, New Jersey, and Massachusetts) still require coverage and impose penalties.
Do I have to report my ACA coverage on taxes?
Yes. You’ll receive Form 1095-A, which you need to complete Form 8962 when filing your tax return to reconcile your premium tax credit.