ACA Marketplace (Obamacare) health insurance, explained simply.
Marketplace plans can come with premium tax credits that lower your monthly cost, but shopping alone can mean missing savings you qualify for. I'll help you compare every metal tier side by side.
A government-regulated way to shop for coverage.
The ACA Health Insurance Marketplace (also called "Obamacare") is where individuals and families can compare standardized plans from participating carriers, and see if they qualify for financial help.
Bronze
Lower monthly premium, higher costs when you use care. Good if you're mostly healthy.
Silver
Balanced costs, and the only tier eligible for extra cost-sharing reductions.
Gold
Higher monthly premium, lower costs when you use care. Good for frequent care needs.
Platinum
Highest premium, lowest out-of-pocket costs. Best for significant ongoing care.
Premium Tax Credit Estimator
Get a rough, educational estimate of whether you may qualify for a subsidy. This is not an official calculation, I'll confirm your exact number for free.
- Takes 30 seconds
- 100% free
- No obligation
When can I enroll in a Marketplace plan?
Open Enrollment
The annual window (typically November–January) when anyone can enroll or change plans, no qualifying event required.
Special Enrollment Period
A 60-day window triggered by a qualifying life event, job loss, marriage, divorce, birth, or a move.
Medicaid & CHIP
You can apply for Medicaid or CHIP any time of year if your income qualifies.
Let's find your exact subsidy.
I'll run real numbers using your actual income and household, free, with no obligation to enroll.