Health Insurance Marketplace 2025 | Save $2,400+ with ACA Subsidies
Get affordable health insurance through the Health Insurance Marketplace. Compare plans, check eligibility for subsidies, and enroll in ACA coverage.
Save an Average of $2,400 per Year with ACA Subsidies
Most people qualify for premium tax credits and cost-sharing reductions that significantly reduce health insurance costs through the ACA Marketplace.
of enrollees qualify for subsidies
average annual savings
cost for our assistance
What is the Health Insurance Marketplace?
🏛️ ACA Health Insurance Exchange
The Health Insurance Marketplace (also called the ACA Exchange or Obamacare enrollment portal) is a government-run platform where you can shop for affordable health insurance plans, compare Bronze, Silver, Gold, and Platinum coverage levels, and apply for premium tax credits to reduce costs.
- • Compare marketplace health insurance plans instantly with our cost calculator
- • Check ACA subsidy eligibility and premium tax credits
- • Enroll in Obamacare coverage online securely
- • Get free licensed agent help with enrollment timing
💰 Financial Assistance Available
Most people qualify for financial help to lower their monthly premiums and out-of-pocket costs. Income limits are generous!
- • Premium tax credits - Lower monthly costs
- • Cost-sharing reductions - Lower deductibles & copays
- • Medicaid expansion - Free coverage for low income
- • CHIP for children - Affordable kids' coverage
Do You Qualify for Health Insurance Marketplace Subsidies?
2025 Income Limits for Premium Tax Credits
Additional Qualifications
- ✓ U.S. citizen or legal resident
- ✓ Not eligible for employer coverage
- ✓ Not eligible for Medicare
- ✓ Income above Medicaid limits
Not sure if you qualify? Our licensed agents can check your eligibility in minutes - completely free!
Enrollment Periods
Open Enrollment
Annual enrollment period for everyone
Special Enrollment
After qualifying life events
Medicaid/CHIP
Enrollment anytime for eligible
Marketplace Plan Categories
Bronze
Low premiums, high deductibles
Silver
Most popular, good balance
Gold
Higher premiums, lower costs
Platinum
Highest premiums, lowest costs
Planning for Medicare Transition at Age 65?
The ACA Marketplace is perfect for those under 65. As you approach Medicare age, start planning your transition to avoid coverage gaps.
Medicare Enrollment Timeline
Learn when you must enroll in Medicare and how to coordinate with your current Marketplace plan.
View Timeline →Medicare Advantage Plans
Explore Medicare Advantage options as an alternative to traditional Medicare plus supplements.
Compare Medicare Plans →Social Security Coordination
Coordinate your Medicare decisions with Social Security claiming strategies for optimal retirement planning.
Get Analysis →Enhance Your Marketplace Coverage
Even with ACA Marketplace insurance, supplemental coverage can fill gaps and provide additional financial protection.
Supplemental Insurance
Add accident, critical illness, or hospital indemnity coverage to supplement your Marketplace plan and protect against unexpected costs.
Explore Supplemental Options →Cost Planning Tools
Use our calculators to estimate your total healthcare costs and plan your budget with both primary and supplemental coverage.
Calculate Total Costs →🤔 Which Insurance Option Is Right for You?
🏥Medicare Supplement (65+)
- ✅No network restrictions - see any doctor who accepts Medicare
- ✅Predictable costs with $240 deductible
- ✅No referrals needed for specialists
- ✅Comprehensive coverage for Medicare gaps
- ❌Higher monthly premiums
- ❌Must be 65+ and enrolled in Medicare
🏛️Health Insurance Marketplace (Under 65)
- ✅Subsidies available (up to $2,400/year)
- ✅Lower premiums with network-based plans
- ✅Essential health benefits included
- ✅Preventive care covered 100%
- ❌Network restrictions apply
- ❌May require referrals for specialists
Not sure which option is best for your situation? Our licensed agents can help you compare all options and find the perfect coverage for your specific needs and budget.
📚 Related Educational Resources
Start your Medicare education journey with these essential guides and resources.
Medicare Enrollment Periods Explained
Navigate all Medicare enrollment periods including Annual Open Enrollment and Special Enrollment Periods
Understanding Medicare Advantage Costs
Break down premiums, deductibles, copays, and out-of-pocket maximums for Medicare Advantage
Prescription Drug Coverage in Medicare Advantage
Everything about Part D coverage, formularies, pharmacy networks, and drug costs
Extra Benefits: Dental, Vision, and Hearing
Explore additional benefits that many Medicare Advantage plans offer beyond basic coverage
🛠️ Interactive Tools & Calculators
Use these interactive tools to calculate costs, compare plans, and make informed decisions about your healthcare coverage.
Health Insurance Cost Calculator
Calculate ACA Marketplace costs including subsidies and out-of-pocket expenses
Medicare Enrollment Timeline
Track important Medicare enrollment dates and deadlines personalized to your situation
Health Insurance Marketplace Finder
Find ACA Marketplace plans and check subsidy eligibility
🎯 Personalized Service Recommendations
Based on your eligibility and preferences, here are the best Medicare and health insurance options for you.
Check Your Eligibility
To get personalized service recommendations, we need to know a bit about your situation. This helps us suggest the best Medicare and health insurance options for you.
📅 Enrollment Timeline
No enrollment periods currently available for your situation.
🌍 Geographic Coverage & Market Analysis
Explore our comprehensive coverage across regions, states, and counties with detailed market insights and enrollment data.
Southeast Region
Southeastern United States including Florida, Georgia, Alabama, and South Carolina
Florida
21.5M
Sunshine State with high Medicare enrollment and diverse healthcare options
Georgia
10.7M
Peach State with Atlanta metro and diverse healthcare options
Mid-Atlantic Region
Mid-Atlantic states including Virginia, North Carolina, and Maryland
Virginia
8.6M
Old Dominion with Northern Virginia tech corridor and healthcare innovation
North Carolina
10.4M
Tar Heel State with Research Triangle and healthcare innovation
Southwest Region
Southwestern states including Texas, Arizona, and New Mexico
Texas
29.1M
Lone Star State with major metro areas and diverse healthcare options
West Coast Region
West Coast states including California, Oregon, and Washington
California
39.5M
Golden State with diverse population and healthcare innovation
📊 Market Summary
🛠️ Recommended Tools & Calculators
Use these interactive tools to calculate costs, compare plans, and make informed decisions about your healthcare coverage.
🎯 All Interactive Tools & Calculators
Comprehensive collection of tools to help you navigate Medicare, health insurance, and make informed decisions.
comparison Tools
timeline Tools
finder Tools
lookup Tools
Life Stage Insurance Planning
Plan for your future insurance needs as your life circumstances change.
Approaching 65?
Start planning your Medicare transition with comprehensive Medicare Supplement coverage.
Family Medicare Planning
Help family members 65+ find the right Medicare coverage options.
Medicare Enrollment Guide
Learn about Medicare enrollment periods and important deadlines.
Need Help Choosing the Right Coverage?
Our licensed insurance experts can help you compare all options and find the perfect coverage for your specific needs and budget.
Connect with Our Insurance Specialists
Our team of licensed experts is here to help you find the perfect coverage.
View All Team MembersRelated Articles
Explore our educational content to learn more about insurance options.
View All ArticlesSuccess Stories
Discover how we've helped others find the perfect insurance coverage.
Share Your Success StoryConnect with Our Specialists
Our team of licensed insurance professionals is here to help you find the perfect coverage.
Contact Us DirectlyACA Marketplace Resources & Calculators
Educational guides, subsidy calculators, and enrollment tools for Health Insurance Marketplace plans
ACA Subsidy Calculator
FeaturedEstimate premium tax credits and cost-sharing reductions for Marketplace plans
Medicare Cost Calculator
FeaturedCalculate your estimated Medicare costs and compare different plan options
Harris County Health Insurance Guide
Comprehensive health insurance guide for Harris County, Texas residents
Medicare Extra Help Program
Low-Income Subsidy (LIS) program for prescription drug costs and Medicare premiums
Medicare Part D Formulary Lookup
Search prescription drug coverage and costs across different Medicare Part D plans
Miami-Dade Health Insurance Guide
Local guide to health insurance options for Miami-Dade County residents
Need Personal Guidance?
Our licensed insurance experts can walk you through any of these resources and help you apply the information to your specific situation.
Explore Other Insurance Options
Health Insurance Marketplace is perfect for under-65. If you're approaching Medicare age, explore Medicare options, or use our calculators to compare all coverage types.
ACA Subsidy Calculator
Calculate premium tax credits and estimate your ACA marketplace savings
Medicare Advantage Plans
HMO & PPO plans with extra benefits like dental, vision, and prescription coverage
Medicare Cost Calculator
Compare Medicare plan costs and estimate your out-of-pocket expenses
Medicare Part D
Prescription drug coverage with formulary lookup and cost comparison
Medicare Supplement Plan G
Comprehensive Medigap coverage for Medicare Part A & B out-of-pocket costs
Plan Comparison Tool
Side-by-side comparison of Medicare Advantage and Supplement plans
Not Sure Which Option Is Best for You?
Our licensed insurance experts can help you compare all options and find the perfect coverage for your specific needs and budget.
Ready to Get Marketplace Coverage?
Get help enrolling in affordable health insurance through the Health Insurance Marketplace.