HealthCare Marketplace insurance refers to health insurance plans available through the federal and state health insurance marketplaces established under the Affordable Care Act. These plans provide essential health benefits and may qualify for premium tax credits and cost-sharing reductions based on your income.

The 2025-2026 open enrollment period typically runs from November 1st through December 15th for coverage starting January 1st. However, you may qualify for a Special Enrollment Period if you experience certain life events like losing job-based coverage, getting married, or moving.

You may qualify for premium tax credits if your household income is between 100% and 400% of the Federal Poverty Level. The exact amount depends on your income, household size, and the cost of the second-lowest-cost Silver plan in your area. Our licensed agents can help determine your eligibility.

These metal categories indicate how much of your healthcare costs the plan covers on average:

• Bronze: Covers about 60% of costs, lowest premiums, highest deductibles
• Silver: Covers about 70% of costs, moderate premiums and deductibles
• Gold: Covers about 80% of costs, higher premiums, lower deductibles
• Platinum: Covers about 90% of costs, highest premiums, lowest deductibles

Generally, you can only change your plan during the annual open enrollment period or if you qualify for a Special Enrollment Period due to certain life events. However, you can always contact us to discuss your options and see if you qualify for any changes to your current coverage.

Losing job-based health insurance qualifies you for a Special Enrollment Period, allowing you to enroll in a Marketplace plan outside of the regular open enrollment period. You typically have 60 days from the date you lose coverage to enroll in a new plan. Contact us immediately to explore your options.

Yes! All HealthCare Marketplace plans must cover pre-existing conditions. Insurance companies cannot deny coverage, charge higher premiums, or exclude benefits for pre-existing health conditions. Coverage for pre-existing conditions begins immediately when your plan starts.

Costs vary based on your age, location, plan type, and tobacco use. However, many people qualify for premium tax credits that can significantly reduce monthly premiums. Some plans may cost as little as $0 per month after tax credits. Contact us for a personalized quote based on your specific situation.