Health Insurance Made Simple

No jargon, no confusion. Learn everything you need to know about ACA health insurance in plain English.

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Understanding Subsidies

Learn how the Advance Premium Tax Credit (APTC) works and how much you might save on your monthly premiums.

Metal Tier Guide

Bronze, Silver, Gold, Platinum — what do they mean? Understand how metal tiers affect your costs and coverage.

Plan Types Explained

HMO, PPO, EPO, POS — decode the alphabet soup and find the network type that fits your needs.

Understanding Your Costs

Deductibles, copays, coinsurance, out-of-pocket max — learn what you actually pay when you use healthcare.

Frequently Asked Questions

What is the ACA Marketplace?

The Health Insurance Marketplace (also known as the Exchange) is where you can shop for and enroll in health insurance plans that meet ACA standards. Plans are available during Open Enrollment (Nov 1 - Jan 15) or if you qualify for a Special Enrollment Period.

Who qualifies for subsidies?

Most people with household incomes between 100% and 400% of the Federal Poverty Level qualify for premium tax credits. Under current rules (through 2025), even those above 400% FPL may qualify if premiums would exceed 8.5% of income.

When can I enroll?

Open Enrollment for 2026 coverage typically runs from November 1, 2025 to January 15, 2026. Outside this window, you need a qualifying life event (job loss, marriage, having a baby, moving) to enroll.

Are all ACA plans the same?

All ACA plans must cover 10 Essential Health Benefits, but they differ in premiums, deductibles, copays, networks, and extra benefits. Comparing plans is important to find the best fit for your situation.

Insurance Term Glossary

Confused by deductibles, coinsurance, or out-of-pocket maximums? Our glossary explains every term in simple language.

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Ready to Find Your Plan?

Now that you understand the basics, let's find coverage that fits your needs and budget.

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