Self-employed, between jobs, or not covered at work? I'll help you understand your ACA Marketplace options, check if you qualify for subsidies, and enroll in a plan that fits your budget — at no cost to you.
The Marketplace offers comprehensive individual and family health plans to people who don't have coverage through an employer or government program.
Freelancers, contractors, gig workers, and business owners who need to find their own health coverage outside of an employer plan.
Lost or left a job with employer coverage? A qualifying life event gives you a Special Enrollment Period to get covered quickly.
Families who aren't eligible for Medicaid but can't access affordable employer coverage can often find quality plans and subsidies through the Marketplace.
Retired before 65 and not yet on Medicare? ACA Marketplace plans bridge the gap — and income-based subsidies can make them very affordable.
Many people are surprised to find they qualify for tax credits that dramatically reduce their monthly premiums.
Based on your household income and size, you may qualify for federal subsidies that reduce your monthly premium — sometimes to $0/month for benchmark plans.
If your income falls below a certain threshold, you may also qualify for reduced deductibles, copays, and out-of-pocket maximums — on top of the premium tax credit.
I'll estimate your subsidy eligibility, show you net-of-subsidy costs side by side, and help you avoid common mistakes that can lead to repayment at tax time.
Important: Subsidy eligibility is based on your projected household income for the coverage year. Getting the estimate right matters — I'll help you think through this carefully.
All Marketplace plans cover the same essential health benefits. The tiers differ in how costs are split between you and the insurance company.
Lowest monthly premium, highest out-of-pocket costs when you use care. Best if you're generally healthy and want to protect against catastrophic costs.
Moderate premium and cost-sharing. The only tier where Cost-Sharing Reductions (CSR) apply — if you qualify for CSR, Silver is usually the best value.
Higher premium, lower out-of-pocket costs. Good fit if you use healthcare frequently and want predictable costs throughout the year.
Highest premium, lowest out-of-pocket. Best for people with ongoing, significant health needs who want maximum coverage.
Choosing the right tier depends on your health usage, income, and subsidy eligibility. I'll model the real numbers for your situation.
November 1 – January 15 each year (dates vary slightly by state). Anyone can enroll or change plans during this window.
Triggered by qualifying life events: losing job-based coverage, marriage, divorce, birth of a child, moving, and others. You typically have 60 days from the event.
Outside of enrollment periods, you generally can't get Marketplace coverage unless you have a qualifying event. Contact me to determine if you have a SEP right now.
Shopping the Marketplace on your own can be confusing. Plan names look similar, but premiums, deductibles, networks, and drug formularies can vary dramatically.
I'll pull together options from multiple carriers, apply your estimated subsidy, and present you with clear choices — with a frank recommendation on which plan fits your situation best.