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HEALTH INSURANCE OVERVIEW
Marketplace health plans exist to provide access to medical coverage outside employer benefits.
Marketplace plans are commonly used by individuals and families who do not have access to group health insurance through work. These plans offer standardized medical coverage through a regulated system.
Coverage may include medical, prescription, and preventive care, with costs influenced by income, household size, and plan selection. Understanding how marketplace coverage works helps clarify options before reviewing subsidies or plan designs.
What health insurance helps cover
Doctor visits
Covers doctor visits, checkups, and routine care most people use each year.
Prescription coverage
Covers prescription medications people rely on to manage ongoing health needs.
Hospital care
Covers hospital stays, surgeries, and major medical care when serious issues happen.
Preventive services
Covers preventive care like screenings and exams meant to catch problems early.
Financial protection
Reduces the risk of large medical bills that can strain household finances.
Everyday peace of mind
Provides coverage people depend on when unexpected health issues come up.
Compare Marketplace health insurance plans
Marketplace health insurance plans are grouped into metal tiers that reflect how costs are shared between you and the insurer. Each level is designed to fit different healthcare usage and budgeting preferences.
Silver Plans
Balanced plans that combine moderate premiums with more accessible care costs.
Balanced premiums and costs
Cost-sharing reductions eligible
Moderate deductibles
Popular plan tier
How It Works
A simple way to explore health insurance options and apply for coverage.
Enter your ZIP code
Your ZIP code helps us check plan availability and pricing in your area.
Provide household details
Based on your details, we narrow down health plans and costs that fit your situation.
Apply for coverage
We help you complete the application and make sure everything is submitted correctly.
Who this coverage is a good fit for
People typically shop for health insurance when employer coverage is unavailable or changes.
Self-employed
Self-employed individuals use ACA plans to secure health coverage without employer benefits.
Between jobs
People between jobs use ACA coverage to avoid gaps in health insurance protection temporarily.
Families
Families use health insurance plans to manage medical expenses for spouses and children.
Subsidies
People qualifying for subsidies use ACA plans to lower monthly premiums and healthcare costs.