Financial Help Is Available
Most people who sign up through the Marketplace qualify for financial assistance. We'll check your eligibility for free.
Lower your monthly bill based on your income. Many households save hundreds of dollars per month — some pay $0.
If you qualify, Silver plans also reduce your deductibles and copays, meaning you pay less every time you use care.
Savings are available for most households that don't have health coverage through a job. We'll run the numbers for you.
Choosing the Right Plan Level
Health insurance plans come in four "metal" levels. The level you pick affects how much you pay each month vs. when you need care.
Plan covers this share of costs
Lower monthly premium, higher costs when you need care. Great for people who stay healthy and rarely see a doctor.
Plan covers this share of costs
Balanced premiums and out-of-pocket costs. The most popular choice — and the only level eligible for extra cost savings.
Plan covers this share of costs
Higher monthly premium, but lower costs every time you use care. Good if you go to the doctor often.
Plan covers this share of costs
Highest premium, lowest out-of-pocket costs. Best choice if you have ongoing health needs or frequent care.
Not sure which level is right for you? Our agents compare all options and explain the tradeoffs — for free.
What Every Plan Must Cover
By law, all health insurance plans through the Marketplace must cover these essential services.
Doctor Visits
Prescriptions
Emergency Care
Mental Health
Maternity
Pediatric Care
Plus: Hospital stays, lab work, preventive care, and rehab services
When Can You Sign Up?
This is the main window each year when anyone can sign up or switch plans.
- Sign up by December 15 → coverage starts January 1
- Sign up by January 15 → coverage starts February 1
Even outside Open Enrollment, you may be able to sign up if something changed in your life:
- Lost health coverage (job loss, COBRA ending, etc.)
- Moved to a new area
- Got married or had a baby
- Your income changed significantly