Health Insurance Marketplace (ACA): Who Qualifies and What You Get
Learn how to access subsidized health insurance plans through the ACA marketplace if you do not have coverage through an employer.
The Health Insurance Marketplace (ACA) is a way for people to find and purchase health insurance plans, often with financial help.
Who it's for
This is for U.S. citizens and residents who do not have health insurance through an employer.
What you get
You can choose from various health insurance plans. Depending on how much money you make, you may be eligible for subsidies, which are financial credits that help lower the cost of your coverage.
What it costs you
Your monthly premium will vary depending on the specific plan you choose. Whether or not you receive financial help through tax credits depends on your income levels.
The catch to know
You cannot sign up at any time of the year. You can generally only enroll during a specific Open Enrollment period, unless you experience a qualifying life event, such as losing other coverage.
How to apply
- Visit the official marketplace website.
- Create an account and provide your personal and income details.
- Review the available health insurance plans.
- Complete your enrollment and select a plan.