Open Enrollment begins nationwide.
Last day to enroll for the year.
Enroll by this date to get coverage starting on the first of the year.
For plans selected between December 16 and January 15.
Is a marketplace plan the right move for you?
Real situations where an ACA plan is usually the right call — and what each looks like in practice.
You manage a condition or take regular medications
ACA plans can’t exclude your condition, cap its treatment, or charge you more for it. For ongoing care, that guarantee is the whole game.
Your income likely qualifies for a subsidy
Premium tax credits scale with household income, many families pay a fraction of the list premium.
You’re covering a family, or growing one
Maternity, newborn, and pediatric care (including kids’ dental and vision) are built in. No other plan type here guarantees that.
Meet your AI Advisor
Talk with the GetHealthPlans.com AI Advisor, powered by Sovra, and compare real marketplace plans for your ZIP code. When you are ready to enroll, a licensed agency completes the application.
Beta
Ask anything about marketplace plans. Out loud.
The first AI-powered health insurance advisory built to reason, not to sell. Trained on 4,000+ real consultations, it explains which plan genuinely protects you, every tradeoff in the open.
Your ZIP, household, budget, and the doctors and prescriptions you want covered.
Compares live marketplace options side by side and explains what each tradeoff means for you.
When you are ready, Covered America LLC completes the enrollment, and a licensed agent is one call away.
“I’m 34 and self-employed in Miami. Which Silver plans keep my doctor in network?”
ListeningIllustrative. Plans and prices come from the live marketplace for your ZIP.
Covered America LLC is the licensed enrollment agency. Every ACA Marketplace enrollment is completed by Covered America LLC (NPN 21633056), a separately owned and separately licensed independent insurance agency, through its certified connection to the federal marketplace. Sovra is the AI Advisor, currently in beta. coveredamerica.org
ACA plans, answered straight
Answers by our licensed team Reviewed for accuracy Updated July 3, 2026