See how much you can save on ACA coverage.

Most U.S. citizens, nationals, and eligible lawfully present residents who live in the United States and are not incarcerated can enroll in a Marketplace plan. There’s no income limit to buy coverage. Affordable employer coverage or eligibility for Medicaid generally affects whether you can get premium tax credits. If you have Medicare, you can’t enroll in a Marketplace plan.

A licensed agent can quickly review your situation and show you available options in your area.

For 2027 coverage, premium tax credits are generally available to eligible households with income between 100% and 400% of the federal poverty level, based on 2026 guidelines.

Rough annual income ranges for the 48 contiguous states and Washington, D.C.:

• Individual: about $15,960 to $63,840
• Family of 4: about $33,000 to $132,000

Exact eligibility depends on your household size, income, and other factors. Many people qualify for significant savings — a licensed agent can estimate whether you qualify and show real plan options. Get a free quote to see what’s available for you.

It depends. If your employer’s coverage is considered affordable and meets minimum value, you usually won’t qualify for Marketplace subsidies. For plan years beginning in 2027, coverage is generally affordable for the employee if their share of the lowest-cost employee-only plan that meets minimum value is no more than 10.22% of household income. Family members are assessed using the cost of family coverage and may qualify for help even when the employee doesn’t.

You can still buy a Marketplace plan, but you’ll typically pay full price if you don’t qualify for subsidies. An agent can review your employer’s offer and help you compare options.

Yes, if you meet Marketplace eligibility and enrollment requirements. Self-employed people, freelancers, contractors, and those between jobs are some of the most common Marketplace shoppers. Subsidies are based on your estimated household income for the coverage year. If you recently lost job-based coverage, you may also qualify for a Special Enrollment Period.

Get a free quote to see what you may be eligible for.

Yes. Marketplace plans cannot deny you coverage, charge you more, or refuse to cover pre-existing conditions. All Marketplace plans cover essential health benefits, including treatment for pre-existing conditions, from the day your coverage starts.

You generally cannot enroll in a Marketplace plan outside of Open Enrollment unless you qualify for a Special Enrollment Period due to a qualifying life event, such as losing other coverage, moving, getting married, or having a baby. For 2027 coverage, HealthCare.gov Open Enrollment runs November 1, 2026 – January 15, 2027. State Marketplace dates may differ. You typically have 60 days from a qualifying event to enroll, although some situations have different deadlines.

Medicaid and CHIP accept applications year-round. A licensed agent can help check whether you qualify for a Special Enrollment Period. Get a free quote.

Yes — getting a quote and speaking with a licensed agent is free and there’s no obligation. After you submit your information, a licensed agent will contact you to review your eligibility, explain available plans and any potential savings, and help you compare options.

No. Help through our service is free to you. Licensed agents and brokers are generally compensated by insurance carriers. Their help comparing plans, explaining subsidies, and assisting with enrollment comes with no fee and no obligation to enroll.