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Navigating ACA health insurance options with expert guidance to find the coverage that fits your needs and budget.
Get a Free QuoteThe Affordable Care Act (ACA), also known as Obamacare, was signed into law in 2010 to expand access to affordable health insurance coverage. It introduced several key changes to the U.S. healthcare system, including:
At Health Market Alliance LLC, we help individuals and families navigate the ACA Marketplace to find affordable health insurance plans that provide comprehensive coverage for their needs.
All ACA plans must cover ten essential health benefits, including emergency services, hospitalization, prescription drugs, preventive care, maternity care, and mental health services.
Many individuals and families qualify for financial assistance to lower monthly premiums based on income, household size, and the cost of plans in your area.
Insurance companies cannot deny coverage or charge higher premiums based on pre-existing conditions or health status.
ACA plans typically have an annual open enrollment period, usually from November 1 to January 15, during which anyone can enroll. Special enrollment periods are available for qualifying life events.
ACA health insurance plans are categorized into different "metal" tiers that indicate how you and your insurance plan share costs:
Lowest monthly premiums but highest out-of-pocket costs when you need care. Insurance covers about 60% of costs, you pay about 40%.
Best for: Healthy individuals who want protection from worst-case scenarios but don't expect to use much healthcare.
Moderate monthly premiums and out-of-pocket costs. Insurance covers about 70% of costs, you pay about 30%.
Best for: People who qualify for cost-sharing reductions, which are only available with Silver plans.
Higher monthly premiums but lower out-of-pocket costs. Insurance covers about 80% of costs, you pay about 20%.
Best for: People who expect to use a lot of healthcare services or who prefer the security of more comprehensive coverage.
Highest monthly premiums but lowest out-of-pocket costs. Insurance covers about 90% of costs, you pay about 10%.
Best for: People who have complex medical needs or who want the peace of mind that comes with the most comprehensive coverage.
Navigating the ACA Marketplace can be complex, but our expert advisors are here to make the process simple and straightforward.
We'll explain ACA options in plain language and help you understand which plans match your needs.
We'll help determine if you qualify for premium tax credits or cost-sharing reductions.
We'll assist you through the entire application and enrollment process at no cost to you.
Contact us today to speak with a licensed health insurance advisor who can help you navigate your options.
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