MARKETPLACE / ACA

Health insurance for you and your family

Marketplace plans, also called ACA or Obamacare plans, are health insurance for people who buy their own coverage. They’re a good fit if you’re self-employed, retiring before 65, between jobs, or don’t have insurance through work.

See what I qualify for

KEY FACTS

What to know

You can’t be turned down. Plans can’t deny you or charge you more because of a health condition.

Every plan covers the basics. That includes doctor visits, hospital care, emergency care, prescriptions, maternity care, mental health care and children’s care.

Preventive care is free. Checkups, screenings and many vaccines cost $0 when you use an in-network provider.

Plans come in metal levels. Bronze has the lowest monthly price and the highest costs when you get care. Silver and Gold cost more each month but less when you use care.

Savings are based on income. If your household income is between 100% and 400% of the federal poverty level, you may get a tax credit that lowers your monthly premium.

Silver plans can have extra savings. If your income is lower, a Silver plan may come with lower deductibles and copays.

WHAT’S DIFFERENT FOR 2027

Changes to watch

Smaller savings for many people. The extra tax credits that started in 2021 ended after 2025. Unless Congress acts, people earning over 400% of the poverty level don’t qualify for help.

Keep your income up to date. If you earn more than you estimated, you’ll have to pay back the extra savings at tax time. There’s no longer a limit on how much you repay.

Premiums are going up. Insurers asked for a median increase of about 15%, and some companies are leaving the Marketplace. Don’t just let your plan renew without checking it.

DATES

Dates to know

Open Enrollment: November 1, 2026 to January 15, 2027

On HealthCare.gov.

For coverage that starts January 1.

Kentucky and Utah

Kentucky residents enroll through kynect, the state’s own Marketplace. Utah residents use HealthCare.gov.

Outside Open Enrollment

You usually have 60 days after a life change, like losing job coverage, getting married, having a baby or moving, to sign up.

Pay your first premium

Your coverage doesn’t start until you do.

HOW I HELP

I’ll check what savings you qualify for, compare plans from several companies, and make sure your doctors and prescriptions are covered. Using me doesn’t change the price of your plan.

See what I qualify for