Friends discussing health plan options together

ACA Marketplace

Individual & Family Health Plans

A licensed advisor reviews your household and income, checks your subsidy eligibility, and tells you exactly which marketplace plans you qualify for — clearing your path with no guesswork.

Check My Marketplace Eligibility

Understanding Metal Tiers

ACA plans are grouped into four tiers based on how costs are shared between you and the plan. All tiers cover the same essential benefits.

Bronze

Plan Pays: ~60%
Premium: Lowest
Deductible: Highest

Best For

Healthy individuals who want low premiums and mostly need catastrophic protection.

Silver

Plan Pays: ~70%
Premium: Moderate
Deductible: Moderate

Best For

A balanced option, especially if you qualify for cost-sharing reductions (CSR), which only apply to Silver plans.

Gold

Plan Pays: ~80%
Premium: Higher
Deductible: Lower

Best For

People who expect regular medical care and want predictable costs at the point of service.

Platinum

Plan Pays: ~90%
Premium: Highest
Deductible: Lowest

Best For

Those with frequent medical needs who prefer paying more monthly to minimize out-of-pocket costs per visit.

Plan Tier	Plan Pays	Premium	Deductible	Best For
Bronze	~60%	Lowest	Highest	Healthy individuals who want low premiums and mostly need catastrophic protection.
Silver	~70%	Moderate	Moderate	A balanced option, especially if you qualify for cost-sharing reductions (CSR), which only apply to Silver plans.
Gold	~80%	Higher	Lower	People who expect regular medical care and want predictable costs at the point of service.
Platinum	~90%	Highest	Lowest	Those with frequent medical needs who prefer paying more monthly to minimize out-of-pocket costs per visit.

Premium Tax Credits & Cost-Sharing Reductions

Premium Tax Credits and Cost-Sharing Reductions can significantly lower your monthly premium and out-of-pocket expenses. Eligibility is based on your household income relative to the Federal Poverty Level. Many families qualify for plans under $100 per month, and some pay as little as $0.

Cost-Sharing Reductions are only available on Silver-tier plans, making Silver an especially valuable choice for those who qualify.

See If I Qualify for Subsidies

Eligibility at a Glance

Household income between 100% and 400% of the Federal Poverty Level
Not eligible for other qualifying coverage (employer, Medicare, Medicaid)
U.S. citizen or lawfully present resident
File a federal tax return for the coverage year
Enrolled in a marketplace plan (not purchased off-exchange)

10 Essential Health Benefits

All ACA marketplace plans are required by law to cover these ten categories of services, regardless of the metal tier you choose.

Ambulatory Services
Emergency Services
Hospitalization
Maternity & Newborn Care
Mental Health & Substance Use

Prescription Drugs
Rehabilitative Services
Lab Services
Preventive & Wellness
Pediatric Services (incl. Vision & Dental)

Enrollment Windows

When Can I Enroll?

Open Enrollment Period

November 1 – January 15

The annual window when anyone can enroll in or change their marketplace health plan for the upcoming year.

Special Enrollment Period (SEP)

Certain qualifying life events open a 60-day Special Enrollment Period outside of Open Enrollment.

Qualifying Life Events for SEP

Loss of existing health coverage (job loss, aging off a parent's plan)
Marriage, divorce, or legal separation
Birth or adoption of a child
Moving to a new state or coverage area
Change in income that affects subsidy eligibility
Becoming a U.S. citizen or gaining lawful presence

Find Out What You Qualify For

A licensed NJ advisor will check your subsidy eligibility, compare plans, and find the best fit for your household — free, no pressure.

Prefer the self-serve path? Use our ACA Planner