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Individual ACA Plans

Individual ACA plans provide comprehensive health coverage that includes essential benefits like preventive services, emergency care, and prescription drugs, ensuring you have access to quality healthcare at an affordable price.

New to ACA Plans? ACA plans, also known as Qualified Health Plans, offer comprehensive medical coverage certified by the ACA Health Insurance Marketplace. These plans include a broad range of benefits, from medical and dental to vision care, ensuring you receive quality care from trusted local providers.


As part of the Affordable Care Act (ACA), these plans were created to make health insurance more affordable and accessible, aiming to reduce the number of uninsured people and lower healthcare costs for both individuals and the government. Whether you’re seeking essential health benefits or additional services, ACA plans are designed to meet your needs and provide peace of mind.

4 Key Aspects of ACA Plans

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Availability

ACA plans and their estimated prices can be explored on the HealthCare.gov website. The ACA’s Health Insurance Marketplace is the platform where these health insurance options can be found.

Coverage

ACA plans offer extensive coverage, including unlimited primary care, virtual urgent care, and prescriptions at certain tiers.

Choice

A variety of ACA plans are available, and the choice of plan depends on your unique needs and circumstances.

Cost

The cost of ACA plans can vary, and there are ways to save money on the health care Marketplace. Depending on their income and other factors, some individuals may even qualify for free ACA plans.

Understanding the Basics of ACA Plans

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Navigating the world of health insurance can be overwhelming, but ACA plans are designed to simplify the process and ensure you get the coverage you need.

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Essential Health Benefits
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Preventive Services
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Subsidies and Cost Assistance
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Guaranteed Coverage

Top 10 ACA Plan Questions

  • Can I get health coverage outside Open Enrollment?

    Yes, you can get health coverage outside the Open Enrollment period if you qualify for a Special Enrollment Period due to a life event like losing other coverage, getting married, moving, or having a baby.

  • What is a premium tax credit and who qualifies for it?

    A premium tax credit is a refundable tax credit designed to help eligible individuals and families with low or moderate income afford health insurance purchased through the Health Insurance Marketplace. You qualify based on your income and family size.

  • How do I report changes to my income, family, or address?

    You should report changes to your income, family, or address to the Marketplace as soon as possible. Changes can affect both your coverage and the savings you’re eligible for.

  • How do I submit documents?

    You can upload documents online, mail copies, or, in some cases, send them through secure fax to provide the information the Marketplace needs.

  • How do I pay my monthly premium to complete my enrollment?

    Once you’ve confirmed a plan, you’ll need to pay your first premium directly to the insurance company — not the Marketplace. Your coverage won’t start until you pay your first premium.

  • What are the different types of Marketplace insurance plans?

    The Marketplace insurance plans are categorized into four types: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs.

  • Can I use Marketplace coverage with other insurance?

    Yes, you can have Marketplace coverage and other insurance, but you can’t use premium tax credits and other savings based on your income to lower your costs.

  • What if I have a pre-existing condition?

    Insurance companies can’t refuse to cover you or charge you more just because you have a pre-existing condition.

  • What are the benefits of Marketplace coverage?

    All Marketplace insurance plans cover essential health benefits, pre-existing conditions, and preventive services.

  • What if I'm pregnant, plan to get pregnant, or will have a baby?

    All Marketplace health plans cover pregnancy and childbirth. You can enroll in a Marketplace insurance plan during Open Enrollment or a Special Enrollment Period, if you qualify.
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