What's available
Your coverage options, explained.
There's more than one way to get covered. Here's a plain-English breakdown of what you can shop for.
ACA Marketplace Plans
Federally subsidized plans available during Open Enrollment (Nov 1 – Jan 15) or after a qualifying life event. Many people pay less than they expect once subsidies are applied.
- Bronze, Silver, Gold, and Platinum tiers
- Subsidies based on household income
- Covers pre-existing conditions, no exceptions
- Open Enrollment runs Nov 1 – Jan 15
Off-Exchange / Private Plans
Plans purchased directly from carriers outside the federal marketplace. Often more flexible on network and benefits, and a strong fit for people who don't qualify for subsidies.
- More carrier and network options
- Year-round availability in many cases
- Short-term and fixed-benefit plans available
- Good fit when income is above subsidy thresholds