Affordable Care Act Healthcare Plans
Open Enrollment is available until January 15
All Marketplace plans cover:
- 10 essential health benefits, including prescription drugs, emergency services, hospitalization, laboratory services, and mental health and substance use disorder services
- Free preventive health services at no cost to you when delivered by a doctor or provider in your plan
- Coverage for pre-existing conditions
Things You Need to Know
The Affordable Care Act (ACA) was introduced in 2010 as an improvement to the American healthcare system, making it more accessible, affordable, and fair.
By expanding coverage, protecting individuals with pre-existing conditions, and emphasizing preventive care, the Affordable Care Act has improved the health and well-being of millions of Americans.
In 2024, new enhancements such as expanded tele-health services, increased subsidies, a stronger focus on mental health, and health equity initiatives ensure that the ACA continues to evolve to meet the needs of the American people.
What is the Marketplace?
Health Insurance Marketplace
The Marketplace ensures coverage for essential health benefits and offers financial help for eligible consumers
Features:
- Created by the Affordable Care Act.
- Online platform for easy access.
- Includes a variety of insurance plans.
Coverage and Affordability
The Marketplace ensures coverage for essential health benefits and offers financial help for eligible consumers.
Features:
- Covers 10 essential health benefits (e.g., prescription drugs, mental health).
- Protects individuals with pre-existing conditions from higher premiums.
- Provides subsidies and cost-sharing reductions for eligible consumers.
How do I know which plan to choose?
- Choosing the plan that best suits your needs can be challenging.
- That’s why it’s best to work with a professional ACA Marketplace health insurance expert.
- Here at Obamacare Assistance we have an experienced team of healthcare plan specialists that can help you decide which plan is best for you.
All Marketplace plans cover
- 10 essential health benefits, including prescription drugs, emergency services, hospitalization, laboratory services, and mental health and substance use disorder services
- Free preventive health services at no cost to you when delivered by a doctor or provider in your plan
- Coverage for pre-existing conditions
Things You Need to Know:
The Affordable Care Act (ACA) was introduced in 2010 as an improvement to the American healthcare system, making it more accessible, affordable, and fair.
By expanding coverage, protecting individuals with pre-existing conditions, and emphasizing preventive care, the Affordable Care Act has improved the health and well-being of millions of Americans.
In 2025, new enhancements such as expanded tele-health services, increased subsidies, a stronger focus on mental health, and health equity initiatives ensure that the ACA continues to evolve to meet the needs of the American people.
What is the Marketplace?
The Health Insurance Marketplace, created by the Affordable Care Act, is an online platform where individuals, families, and small businesses can shop for and enroll in affordable health insurance plans.
The Marketplace offers a range of insurance plans that must cover 10 essential health benefits, including prescription drugs, emergency services, and mental health care. Additionally, the Marketplace ensures that individuals with pre-existing conditions can obtain coverage without facing higher premiums or denial.
Subsidies and cost-sharing reductions are available through the Marketplace to help lower the cost of insurance for eligible consumers, making healthcare more accessible to a wider population.
What are the Metal Levels?
Health insurance plans available through the Marketplace are categorized into five metal levels: Bronze, Expanded Bronze, Silver, Gold, and Platinum.
These levels help consumers understand how costs are shared between them and the insurance company.
Each metal level plan offers the same essential health benefits, but the difference lies in how you and the plan share the costs.