PlanVoyager

Health Insurance Made Simple

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

Choose a Topic to Learn

Open Enrollment 2027: Dates & Deadlines
When Open Enrollment starts and ends for 2027 coverage, why the final deadline is in flux, and what to do if you miss it.
Understanding Subsidies
Learn how the Advance Premium Tax Credit (APTC) works and how much you might save on your monthly premiums.
Federal Poverty Level (FPL)
The full FPL chart by household size, plus a calculator for your FPL percentage, Medicaid, and subsidy eligibility.
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.
Subsidy Cliff Visualizer
Interactive tool showing how the "subsidy cliff" affects your premium at different income levels. Compare IRA-enhanced vs. original ACA rules.
Video library (YouTube)
Curated explainers: HMO vs PPO, deductibles, copays, and marketplace subsidies—plus search shortcuts for more topics.

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 the annual Open Enrollment window each fall, or year-round 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. The IRA enhancement that extended credits above 400% FPL expired after 2025, so the 400% cap applies again.

When can I enroll?

Open Enrollment for 2027 coverage starts November 1, 2026 in most states — enroll by December 15 for coverage starting January 1. Outside the 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.

View Glossary

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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