2026 Special Enrollment.
You May Qualify for Lower-cost Coverage Based on Your Income.
PLAN TYPE OVERVIEW
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ACA- Public Marketplace Plans
Affordable Care Act (ACA) marketplace plans provide standardized, essential health benefits with the possibility of income-based savings.
These plans are offered through federal or state marketplaces and must follow federal rules.
ACA plans may be a good fit if you :
• Want comprehensive coverage,
• Cannot get affordable insurance through an employer
• You need help lowering monthly costs through tax credits - income-based subsidies.
What ACA-Public Marketplace Plans Include
Affordable Care Act (ACA) plans must cover a standardized set of “Essential Health Benefits” designed to provide comprehensive, full-spectrum care. These include:
✓ Doctor and specialist visits
✓ Preventive care and screenings
✓ Emergency services and hospital care
✓ Prescription medications
✓Maternity and newborn care
✓ Mental health and substance use services
✓ Pediatric care, including dental and vision, in many cases
➤ All ACA plans must also accept applicants regardless of pre-existing conditions and cannot impose annual or lifetime coverage limits on essential benefits.
How Savings and Subsidies Work
Many individuals and families qualify for financial assistance that can lower the cost of ACA coverage:
• Premium Tax Credits may reduce monthly premiums based on household income and size.
• Cost-Sharing Reductions may lower deductibles and copays for eligible households who select Silver-level plans.
• Savings are determined by income, household size, and location, and may change if your circumstances change during the year.
➤ A state-licensed EverAid advisor can help you review available plans and estimate potential savings before enrollment.
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Who ACA Plans May Be Right For
ACA marketplace coverage may be a good fit if you:
✓ Do not have access to affordable employer-sponsored insurance.
✓Have a pre-existing medical condition.
✓ Are self-employed, between jobs, or working part-time.
✓ Want comprehensive coverage with federal consumer protections.
✓ May qualify for income-based savings.
➤ These plans are designed to provide predictable, regulated coverage with built-in financial assistance for those who qualify.
See plans & prices available in your area
Enter your ZIP to see plans you qualify for and be matched with a licensed advisor.
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