Real answers for your healthcare questions

What is ACA Marketplace health insurance and how does it work?

Answer

ACA Marketplace health insurance is individual or family coverage sold through the federal Health Insurance Marketplace or a state Marketplace. These plans must follow Affordable Care Act consumer protections and cover a set of essential health benefits.

What to Know

Marketplace plans cannot deny you or charge you more because of a pre existing condition. Depending on household income and other eligibility rules, you may qualify for premium tax credits or cost sharing reductions. Plans are grouped into metal levels that generally reflect how costs are shared between you and the insurer.

What to Do Next

Start with the official Marketplace for your state. Enter accurate household and income information, then compare premiums, deductibles, provider networks, prescriptions, and estimated total yearly costs.

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