Health Care / ACA
ACA & Marketplace Health Plans
Individual and family health coverage made clear. We help you understand your options, find your subsidies, and enroll in a plan that actually works for your life.
What Is the ACA?
Affordable, Comprehensive Individual Coverage
The Affordable Care Act (ACA) created a Health Insurance Marketplace where individuals and families can shop for and enroll in health coverage. Depending on your income, you may qualify for premium tax credits that significantly reduce your monthly cost — sometimes to as little as $0 per month.
The Team guides clients through the entire ACA process: from determining eligibility and calculating subsidies to comparing plans and completing enrollment. We make sure you understand what you are signing up for before you sign anything.
- Individual and family health plans
- Premium tax credit and subsidy analysis
- Open enrollment (November 1 – January 15)
- Special enrollment for qualifying life events
- Plan comparison: Bronze, Silver, Gold, Platinum tiers
- Dental and vision add-on options
Who Should Consider an ACA Plan?
- Self-employed individuals and freelancers
- Employees whose employer does not offer coverage
- People between jobs or recently laid off
- Early retirees who are not yet eligible for Medicare
- Anyone who lost coverage due to a life event
ACA Self-Enrollment Link
Ready to enroll? Use our ACA self-enrollment portal to compare plans and apply at your own pace.
Understanding ACA Plan Tiers
ACA plans are organized into metal tiers. The tier affects how costs are split between you and your insurer — not the quality of care.
Bronze
Monthly Premium: Lowest
Out-of-Pocket: Highest
Best for: Healthy individuals who rarely use care
Silver
Monthly Premium: Moderate
Out-of-Pocket: Moderate
Best for: Most people, especially those eligible for cost-sharing reductions
Gold
Monthly Premium: Higher
Out-of-Pocket: Lower
Best for: People who use care regularly or have ongoing prescriptions
Platinum
Monthly Premium: Highest
Out-of-Pocket: Lowest
Best for: People with significant ongoing medical needs