ACA Health Insurance includes plans that are considered comprehensive according to the Affordable Care Act (ACA) and are offered through health exchanges or marketplaces. You can access plans offered by major health insurance carriers that come in a variety of options to suit your personal medical needs and budget. These plans most closely resemble a medical plan offered by a company to their employees, but are available to anyone who does not have this traditional method of obtaining medical insurance.

Do you need medical insurance?

Although no longer mandated by the ACA, everyone should have medical insurance. Medical insurance is just like any other type of insurance - you hope you don't need it but it's there to protect you from financial burden if you do. Medical insurance covers a range of expenses, from routine wellness visits, ongoing care for a chronic medical condition, or an unexpected event such as serious illness or accident. Many plans also have some level of coverage for prescription medications and other medical-related treatments like physical therapy.

Open enrollment ended on January 15th, 2026. However, if you have experienced any of the qualifying events mentioned below, you may be eligible to enroll in insurance or modify your current coverage:

Loss of health coverage

• Losing current health coverage, which may include job-based, individual, and student plans
• Losing eligibility for Medicare, Medicaid, or CHIP
• Turning 26 and losing coverage through a parent's plan

Changes in household

• Getting married or divorced
• Having a baby or adopting a child
• Experiencing a death in the family

Changes in residence

• Moving to a different ZIP code or county
• A student moving to or from their educational institution
• A seasonal worker relocating to or from their home and workplace
• Moving to or from a shelter or other transitional housing

Other qualifying events

• Changes in income that affect your eligibility for coverage
• Gaining membership in a federally recognized tribe or becoming a shareholder in an Alaska Native Claims Settlement Act (ANCSA) Corporation
• Becoming a U.S. citizen
• Being released from incarceration (jail or prison)
• AmeriCorps members starting or ending their service

ACA plans come in 3 different tiers with a variety of options and costs:

• Bronze - These plans may suit those who stay relatively healthy. They have a lower monthly cost, but you may pay more out-of-pocket if you need more medical attention than expected.
• Silver - More benefits and lower out-of-pocket costs, these plans will cost a bit more than Bronze but are a good fit for an individual or family that has more frequent medical needs.
• Gold - If you expect regular medical expenses, typically due to recurring conditions, these plans may be a good fit due to their lower overall out-of-pocket costs, despite a higher monthly premium.

Which is right for you?

If you want to see all of your options, we will link you directly to our marketplace provider's website where you can check if your individual doctors are in network, or if specific medications are covered.

These plans are often more affordable than traditional medical plans and can provide coverage for major medical expenses.

Be prepared

Medical emergencies are unexpected - safeguard yourself with insurance to lessen the financial impact.

Be proactive

Many medical plans cover standard annual exams, often at no additional cost for you and your family.

Keep your doctors

Multiple plans with different networks are available - find one that includes your current doctors.