ACA Marketplace Coverage

Health coverage if you don't get it through an employer

If you're self-employed, between jobs, or your employer doesn't offer coverage, I can help you find a Marketplace health plan — and check whether you qualify for a subsidy that lowers what you pay every month.

Get My Free Quote Call 901-881-9792

How it works

I help you shop the Marketplace and check your savings

ACA Marketplace plans — sometimes called "Obamacare" plans — are private health insurance policies sold through the federal or state health insurance marketplace. Every plan has to cover a core set of essential health benefits, and many people qualify for a premium tax credit that lowers the monthly cost significantly. As an independent broker, there's no extra charge to use me instead of enrolling on your own — I compare plans across carriers for you and help you apply the subsidy correctly.

A side-by-side comparison of every Marketplace plan available in your area
A check on whether you qualify for a premium tax credit, and how large it might be
Confirmation that your doctors and prescriptions are covered before you enroll
Help understanding your deductible, copays, and out-of-pocket maximum in plain terms

A family with young children playing together at home

Understanding your options

Marketplace plans come in tiers — here's what that means

Every ACA plan falls into a "metal tier" based on how you and the plan split costs. None of them describe the quality of care — just how the bill gets divided. I'll walk you through which tier makes sense for how you use healthcare.

Bronze & Silver

Lower Premium Plans

Bronze plans typically have the lowest monthly premium but the highest costs when you actually use care. Silver plans sit in the middle — and if you qualify for extra savings on out-of-pocket costs, those savings only apply to Silver plans, which is something I check for every client before recommending a tier.

Gold & Platinum

Higher Premium Plans

Gold and Platinum plans cost more per month but cover a larger share of your costs when you need care — often a better fit if you take regular medications or see specialists often. I compare the true annual cost, not just the sticker premium, to help you see which tier actually saves you money.

Subsidies

Premium Tax Credits

Depending on your household income and size, you may qualify for a premium tax credit that lowers your monthly bill — sometimes substantially. I run this estimate with you up front, before you ever commit to a plan, so there are no surprises.

What I do for you

Here's exactly how I support ACA Marketplace clients

Marketplace enrollment has real deadlines and real rules. I make sure nothing falls through the cracks.

I compare every plan in your area

I pull every Marketplace plan available where you live and narrow it down to the ones that actually fit your health needs and budget.

I check your subsidy eligibility

I estimate your premium tax credit based on your household size and income, so you know your real monthly cost before you enroll.

I verify your doctors and medications

Before you enroll, I confirm your current doctors and prescriptions are covered under the plan's network and formulary.

I track your enrollment deadlines

Marketplace enrollment runs on strict windows. I keep track of your deadlines so you're never scrambling at the last minute.

I re-shop your plan every year

Premiums, subsidies, and your own household can all change year to year. I recheck your coverage every Open Enrollment to make sure it still fits.

I'm here after you enroll

If your income changes, your household changes, or a bill looks wrong, call me — not a call center. I stay your point of contact.

When to talk to me

Key ACA Marketplace timelines worth knowing

Miss the window, and you may have to wait months for coverage to start — unless a qualifying life event opens a special window for you.

Nov 1 – Jan 15

Open Enrollment Period

The main window to enroll in or change a Marketplace plan for the coming year. Enroll by December 15 for coverage starting January 1st; enroll after that and coverage typically starts February 1st. I recommend we talk in October or early November so nothing gets rushed.

Varies

Special Enrollment Periods

Triggered by losing other coverage, getting married, having a baby, moving, or a change in household income — each opens a roughly 60-day window to enroll outside the normal schedule. If your life changed recently, call me — you may qualify right now.

Anytime

Medicaid & CHIP

If your income qualifies you for Medicaid or CHIP instead, you can apply for those any time of year, not just during Open Enrollment. I'll let you know honestly if that's a better fit than a Marketplace plan.

Every Year

Income & Household Updates

Reporting income or household changes promptly helps keep your subsidy accurate and can prevent an unexpected bill at tax time. I help clients stay on top of this throughout the year, not just at enrollment.

Common questions

ACA Marketplace coverage, explained plainly by me

Who is ACA Marketplace coverage for?

Anyone who doesn't have coverage through an employer, Medicare, or Medicaid — including self-employed individuals, small business owners, freelancers, and people between jobs.

How do I know if I qualify for a subsidy?

It depends on your household size and estimated income for the year. I run this estimate with you directly — it only takes a few minutes to get a good idea of what you'd actually pay.

Can I enroll outside of Open Enrollment?

Only if you qualify for a Special Enrollment Period through a life event like losing other coverage, marriage, or having a baby. I can help you check if you qualify.

What happens if my income changes during the year?

Report it as soon as you can — it can raise or lower your subsidy and helps you avoid owing money back at tax time. I help clients handle this as it comes up.

Is there a cost to work with you on this?

No — my help comes at no additional cost to you, and there's no obligation to enroll in anything.