Explore ACA plans, secure your health future.

Self-Employed? Retired Early? ACA Coverage Simplified

Individual/Family Health Insurance

When you do not have access to employer-sponsored health benefits, it is easy to feel lost in a sea of options, some legitimate, some misleading. You may come across short-term policies, indemnity-style coverage, or plans that seem affordable but do not provide full protection.

These alternatives often do not cover pre-existing conditions, can exclude essential benefits, and may leave you unprotected when it matters most.

That is where ACA-compliant plans stand apart. You may be familiar with these plans by one of it more frequently used names:

ACA (Affordable Care Act)
Obamacare
Marketplace insurance
Exchange plans
Healthcare.gov plans

How ACA Plans Work

ACA plans offer comprehensive, regulated health insurance for individuals and families without employer coverage. Every plan sold through the Marketplace must include:

No denial for pre-existing conditions
Free preventive care (checkups, screenings, vaccines)
Essential health benefits like hospital care, maternity, prescriptions, and mental health
Caps on out-of-pocket costs to prevent medical bankruptcy

Understanding ACA, is one thing, picking the right plan is another!

APTC (Advanced Premium Tax Credit)

Anyone can enroll in an ACA plan—there are no income limits and no medical underwriting. You cannot be denied based on health conditions, age, or income.

However, your household income and household size determine whether you qualify for financial help in the form of the Advanced Premium Tax Credit (APTC). This subsidy lowers your monthly premium and is designed to make coverage more affordable if your income is lower relative to the number of people in your tax household.

To qualify:

You must estimate your total household income for the calendar year which you are looking for coverage in
Count everyone on your tax return, not just those applying for coverage
File taxes annually and use the correct filing status
Report any major income or household changes during the year to avoid surprises

Even those with higher incomes can sometimes qualify—especially in areas where plan costs are high or if you’re close to retirement with limited taxable income.

ACA is powerful, but it can be complex.

The platform is not designed to explain tax rules, household dynamics, or plan tradeoffs. That is where I come in. I help you:

Estimate your income correctly to avoid overpaying or under-reporting
Choose the best plan for your doctors, prescriptions, and financial goals
Avoid common mistakes that could delay coverage or trigger penalties
Understand how ACA interacts with COBRA, group benefits, HSA eligibility, and more

Where you live matters

Some states use the federal Marketplace at Healthcare.gov, while others run their own state-based exchanges. Beginning in 2025, Georgia operates its own exchange called Georgia Access. While the platform may vary, the benefits and rules remain consistent.