Health coverage, mapped to your actual life.
Compare Marketplace plans side by side, see the subsidy you actually qualify for, and enroll with a licensed agent — no jargon, no pressure, no guessing.
See your options
Takes about 40 seconds
Three conversations, one decision.
Most people who come to us have never compared health plans side by side before. Here's the order we walk through it in.
A few honest questions
Income, family size, zip code, and anyone currently on Medicaid or Medicare. That's genuinely all we need to start.
Bronze through Platinum
We show your estimated subsidy applied to each tier, plus the deductible and doctor network for the ones that fit your budget.
A real person, on the phone
They confirm the numbers, walk through the paperwork with you, and give you a coverage start date in writing.
Four metal tiers. One of them fits your year.
Every Marketplace plan falls into one of these tiers — the metal doesn't describe quality, it describes how you and the insurer split the cost.
| Tier | Monthly premium | Deductible | Best suited for |
|---|---|---|---|
| Bronze | Lowest | Highest | Rarely visits the doctor, wants low monthly cost |
| Silver | Moderate | Moderate | Qualifies for cost-sharing reductions |
| Gold | Higher | Lower | Manages an ongoing condition, sees specialists |
| Platinum | Highest | Lowest | Expects significant medical costs this year |
What we do differently.
Licensed agents, not a script
Every enrollment is finalized by a person who holds an active health insurance license in your state.
Subsidy applied up front
Every plan we show already has your estimated premium tax credit built into the price — no surprise math later.
We recheck you every renewal
Income and household size change. We reach out before renewal season so your plan still matches your life.
Special enrollment help
Lost coverage, moved states, had a baby? We check whether you qualify to enroll outside the usual window.
Claims support after enrollment
Coverage questions don't stop once you're signed up. Your agent stays reachable through the plan year.
No cost to work with us
We're paid a standard commission by the carrier you choose — the same rate no matter which plan you pick, so we have no reason to steer you.
What enrollment actually felt like.
"I'd put off shopping for a plan for two years because I didn't understand deductibles. My agent explained it in about ten minutes."
"We had a baby in June and I didn't know that counted as a special enrollment event. HealthACA caught it before I even asked."
"The plan comparison actually showed the subsidy already applied. Every other quote I'd gotten made me do that math myself."
Before you talk to an agent.
What is the ACA Marketplace? +
It's the system created under the Affordable Care Act where individuals and families who don't get coverage through an employer can compare and buy health insurance, often with a government subsidy that lowers the monthly premium based on income.
Do I have to enroll during open enrollment? +
In most cases, yes — open enrollment runs once a year. Outside of that window, you can only enroll if you qualify for a special enrollment period, usually triggered by an event like losing other coverage, moving, marriage, or having a baby.
What if my income changes during the year? +
Report it. Your subsidy is based on estimated yearly income, and a significant change up or down can change what you owe or what you're credited at tax time. Your agent can help you update it.
Is HealthACA affiliated with the government? +
No. HealthACA is a private, licensed insurance agency. We're not affiliated with, endorsed by, or operated by HealthCare.gov, the Centers for Medicare & Medicaid Services, or any state or federal agency.
How much does it cost to use HealthACA? +
There's no cost to you to compare plans or work with one of our agents. We're paid a standard commission directly by the insurance carrier you choose — and that rate is the same regardless of which plan you pick.
What happens after I submit the eligibility form? +
A licensed agent in your state reaches out to confirm your details, show you the exact plans available at your address, and finalize enrollment if you decide to move forward. There's no obligation to enroll.
Ready to see your actual options?
It takes about 40 seconds to check what you qualify for. No commitment, no spam calls before you ask for one.