ACA Health InsurancE

ACA stands for the Affordable Care Act — a law that made health insurance more affordable and accessible. These plans are sold on the Health Insurance Marketplace (Healthcare.gov or state exchanges) and cover essential health benefits like:

• Doctor visits 

• Emergency care • Hospitalization 

• Prescription drugs 

• Mental health services 

• Maternity care 

• Preventive care (screenings and vaccines)

All ACA plans must cover pre-existing conditions — no one can be denied based on their health.

The Marketplace offers income-based subsidies called Premium Tax Credits that help lower your monthly premium — sometimes even down to $0/month! However, you may still be responsible for other costs such as copayments, deductibles, and coinsurance.

Your credit amount is based on:

• Household size 

• Estimated annual income 

• Zip code

Lower income = higher discount. Cost-Sharing Reductions (CSRs) are also available to lower deductibles and copays for certain income levels.

You may qualify for an ACA plan if you: 

• Are a U.S. citizen or legal resident 

• Live in the U.S. 

• Are not eligible for Medicare or affordable employer coverage

You may also qualify for a Special Enrollment Period (SEP) if you: 

• Lost health coverage 

• Had a baby or got married 

• Moved 

• Had a change in income

Open Enrollment: Nov 1 – Jan 15. SEPs allow enrollment anytime after a qualifying event.