Health Insurance Quotes — ACA Marketplace

Compare ACA Health Insurance Plans

The Affordable Care Act (ACA) marketplace offers plans for individuals and families who don't have employer-sponsored coverage. Subsidies are available for households earning up to 400% of the federal poverty level.

Metal Tiers Explained

• Bronze — 60% of costs covered. Lowest premiums, highest out-of-pocket. Best for healthy individuals
• Silver — 70% of costs covered. Balanced premiums and out-of-pocket. Best for most people
• Gold — 80% of costs covered. Higher premiums, lower out-of-pocket. Best for those who need regular care
• Platinum — 90% of costs covered. Highest premiums, lowest out-of-pocket. Best for chronic conditions

How to Get Subsidies

Premium tax credits are available for households earning 138% to 400% of the federal poverty level. In 2026, a family of 4 earning up to $120,000 may qualify for subsidies that reduce monthly premiums by hundreds of dollars.