ACA Marketplace
What does ACA stand for?
ACA stands for Affordable Care Act. It was introduced by President Barack Obama in March 2010 and is also known as Obamacare.
How do I qualify for ACA?
To qualify for ACA coverage, you must:
Live in the United States
Be a U.S. citizen or national
Not be incarcerated (in prison or jail)
When Can I Sign Up?
There are two ways to enroll in an ACA plan:
Option 1: Open Enrollment
November 1st – January 15th
-
Enroll by December 15 → Coverage starts January 1st
-
Enroll by January 15 → Coverage starts February 1st
Option 2: Special Enrollment Period
You may qualify if you experience one of the following life events:
✔️ Change or loss of employment
✔️ Losing existing health coverage (including Medicaid)
✔️ Moving to a new zip code
✔️ Having a baby or adopting a child
✔️ Becoming divorced or separated
✔️ Becoming a U.S. citizen
✔️ Income falls below 150% of the poverty level
Marketplace Plan Categories (Metal Levels)
The marketplace plans are put into categories or metal levels. If you are under 30 years of age, there is a 5th category called Catastrophic plans.
The categories have nothing to do with the quality of care you get in the plan. The differences between the categories are generally the cost share between the plan and what you will pay.
The percentages listed below are estimates of what the plan pays and what you pay. The actual cost will vary by plan.
⚠️ Important: These categories do not reflect the quality of care, only the cost-sharing structure between you and the plan.
NEED HELP?
📞 Contact us to navigate the ACA Marketplace and find the best plan for you!