ACA Marketplace plans are individual and family health insurance plans designed to cover essential health benefits, including preventive care, doctor visits, hospitalization, emergency care, prescriptions, mental health services, and more.

Many people qualify for premium tax credits or cost-sharing help based on household size, income, and eligibility rules. The right plan depends on your doctors, prescriptions, expected care needs, budget, and preferred network.

• Open Enrollment is the yearly window to enroll or change coverage.
• Special Enrollment may be available after qualifying life events such as losing coverage, moving, getting married, or having a baby.
• Metal levels such as Bronze, Silver, Gold, and Platinum help compare premium and out-of-pocket cost structures.
• Networks, deductibles, copays, and drug coverage should be reviewed before enrolling.