Marketplace & ACA

Health coverage without the runaround.

If you're under 65 and don't get affordable coverage through work, the Marketplace is where you shop. Here's how it works, what it costs, and how to pay less.

Start here · 4 min

How Marketplace health plans work

The Health Insurance Marketplace is where individuals and families buy private health plans. Here's the plain-English version of what that means for you.

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Choosing a plan · 4 min

Bronze, Silver, Gold & Platinum, explained

Marketplace plans come in "metal" tiers. They don't change the quality of care — they change how you and the plan split the costs.

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The fine print, decoded · 5 min

Premiums, deductibles & the words that confuse everyone

Premium, deductible, copay, coinsurance, out-of-pocket max — here's what each one actually means and how they fit together.

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Lowering the cost · 4 min

Savings & subsidies: could you pay less?

Many households qualify for help paying their monthly premium. Whether you do — and how much — depends on your income, household size, and the rules in effect for the year.

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Timing · 3 min

When you can actually enroll

You can't sign up just any day of the year — unless life changes. Here's how Open Enrollment and Special Enrollment Periods work.

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See what you'd pay

A licensed agent can check your savings in minutes.