Plans & carriers
Real Choice, Explained in Plain English.
Marketplace plans come in four 'metal' tiers. They all cover the same essential benefits — the difference is how you split costs between your monthly premium and the care you use.
The metal tiers
Tap a tier. See the trade-off.
Every tier covers the same essential benefits. The difference is the balance between your monthly premium and what you pay when you actually get care.
Silver
Plan pays ~70% of costs, on averageBest for: A balanced middle — and usually the only tier where extra cost-sharing savings apply if you qualify for them.
Illustrative — actual premiums and costs depend on the specific plan, your location, and your situation.
There’s also a Catastrophic plan for some people under 30 or with a hardship exemption. Not sure which tier fits? That’s exactly what your licensed agent is for.
Lower premiums
You may pay less than you think.
Many households qualify for a premium tax credit that lowers what they pay each month — and, on Silver plans, extra savings that reduce deductibles and copays. How much depends on your income, household size, and where you live.
Savings and eligibility vary by location and household. We’ll help you check in a few minutes — no cost, no obligation.
- Premium tax credits based on your income
- Extra cost-sharing savings on Silver plans, if eligible
- We check what you qualify for before you enroll
- No cost to work with a licensed agent
The names you already know
The big carriers, all in one honest place.
Let’s get you covered — the right way.
A few minutes, a few questions, zero pressure. You get a licensed agent who’s on your side — today, at renewal, and the day you actually need it.
Consider yourself covered.