Health insurance for you and your family.
Marketplace plans (also called Obamacare) for people without job-based coverage. First we check how much help you qualify for; then we compare.
In short
- Income-based tax credit
- Pre-existing conditions covered
- Maternity, mental health and prescriptions included
- Enrollment: Nov 1 – Jan 15
What every Marketplace plan covers
By law, every Marketplace plan covers the same essential benefits. What changes is how much you pay each month and how much you pay when you use care.
- Doctor visits, emergencies and hospital care
- Pregnancy, childbirth and newborn care
- Mental health and substance use treatment
- Prescription drugs
- Free preventive care such as vaccines and checkups
- Dental and vision for children
No one can deny you coverage or charge you more for a condition you already have.
How much will it cost?
It depends on your ZIP code, each person's age, your income and the plan you choose. If your household earns between 100% and 400% of the poverty level, the tax credit lowers your premium every month. Many families pay far less than they expected. Run the quick estimate.
For 2027: the 400% limit is back and eligibility rules changed for some immigrants. See what changed.
Bronze, Silver or Gold?
The metal levels aren't about the quality of doctors; they're about how costs are split between you and the plan. Your agent recommends one based on how often you use care.
How the metal levels compare
| Bronze | Silver | Gold | |
|---|---|---|---|
| Monthly premium | Lowest | Middle | Higher |
| When you get care | You pay more | Middle; less with CSR discounts | You pay less |
| Best if… | You rarely see a doctor; now HSA-eligible | Your income is moderate | You use care often |
General guide. Actual prices and benefits depend on the plan and your state.
Get a quote in two minutes.
Tell us what you need and a licensed agent compares plans for you. No pressure, no cost.
- We check whether you qualify for a tax credit before comparing
- We confirm your doctors and prescriptions are covered
- The same agent helps you when you renew
Frequently asked questions
Can I enroll outside Open Enrollment?
Yes, if you have a qualifying life event such as losing coverage, moving, getting married or having a baby. You usually have 60 days.
Can I keep my doctor?
Your agent checks which plans have your doctors in network before you choose.
My kids have Medicaid or CHIP. What about me?
It's common for children to qualify for Medicaid or CHIP while parents qualify for a Marketplace plan with a tax credit. We review it all together.
Want to talk through your situation?
A licensed agent reviews your options in Spanish or English, at no cost and with no obligation.