Navigating the ACA Marketplace: Tips for Finding Affordable Insurance
The Health Insurance Marketplace offers plans for individuals and families who do not have employer coverage. With subsidies available, coverage may be more affordable than you think.
When to Enroll
Open Enrollment runs from November 1 to January 15 each year. You can also enroll during Special Enrollment Periods triggered by life events like losing other coverage, getting married, having a baby, or moving.
Understanding Subsidies
- Premium tax credits: Lower your monthly payment based on income
- Cost-sharing reductions: Lower deductibles and copays for Silver plans
- Enhanced subsidies: Current law means more people qualify for help
Choosing a Plan
- Estimate your healthcare needs for the year
- Compare total costs (premiums plus expected out-of-pocket)
- Check if your doctors and medications are covered
- Consider Silver plans if you qualify for cost-sharing reductions
Get free help from navigators or certified application counselors at LocalHelp.Healthcare.gov.
