90% of Americans qualify. Find out in 30 seconds—no commitment, no hassle.
Shop ACA Health Insurance plans for 2025. Check eligibility fast, compare benefits, and see the savings most Americans receive.
| No obligation, quick and easy process. |
Find out your estimated savings in 30 seconds
The Affordable Care Act (ACA), also known as Obamacare, helps people without access to job-based insurance—like self-employed individuals, part-time workers, and those between jobs—get affordable coverage.
No medical exams or denial for pre-existing conditions
Subsidies based on income and family size
10 essential health benefits included
Free preventive care and wellness visits
It does not matter where you live or what your situation is, there is an ACA plan designed for you. Choose your health insurance plan based on your ZIP code, age, income, and household size.
Healthcare.gov
Learn the steps to secure your ACA Health Insurance plan in 2025. Many struggle with enrollment deadlines, eligibility checks, and required documents — Policy Bear guides you through each stage for a smooth, stress-free Marketplace experience.
The main opportunity to get ACA coverage. Don't miss this window!
November 1 - January 15Even if you’ve missed Open Enrollment, you may still qualify—don’t worry, we’ll help you check
Every ACA-compliant plan, from Bronze to Platinum, must include these comprehensive benefits at no extra cost to you.
Essential healthcare services you need most
Doctor visits & consultations
24/7 emergency room care
Surgery & overnight stays
X-rays, MRIs, blood work
Physical & occupational therapy
Comprehensive care for life's important moments
Pregnancy & newborn care
Therapy & substance abuse treatment
Generic & brand medications
Kids' dental & vision included
Free screenings & checkups
All 10 essential benefits are included in every ACA plan, regardless of your health status
Before the ACA, insurance companies could deny coverage for pre-existing conditions, exclude essential services, or set lifetime limits. Now, every plan must include comprehensive coverage that protects you when you need it most.
Preventive Care Cost
No Lifetime Limits
Preventive Care Cost
No Lifetime Limits
The insurance world never remains the same, and 2025 brings important changes you should know about.
Premiums went up about 7% this year, but subsidies increased proportionally. If you qualified for help before, you likely still pay similar amounts.
Enhanced subsidies that have saved families thousands since 2021 face potential changes under the new administration.
Over 24 million Americans enrolled for 2025 coverage in all 50 states, showing marketplace stability despite new challenges.
Get answers to common questions about ACA insurance, enrollment, and our services
Any individuals earning up to 400% of the Federal Poverty Level can apply for ACA health insurance to receive expected Subsidies.
Yes, many Americans qualify for ACA plans with a $0 monthly premium, especially after the subsidy expansions under the American Rescue Plan and the Inflation Reduction Act (extended through 2025).
Open enrollment starts from November 1 to January 15 each year. Special enrollment periods are available for qualifying special events.
The Special Enrollment is simply for special chance of health coverage when you miss the regular period of the Open Enrollment.
You can calculate your health insurance subsidy, using the HealthCare.gov calculator with your annual income and household size.
Without health insurance, you will face thousands in medical bills from unexpected health emergencies, limited access to doctors who require insurance.
Yes, Policy Bear's service is completely free because we're paid by insurance companies, not by you. You pay the same premium whether you work with us or go directly to the insurer, but for expert guidance and ongoing support we don't charge you a single penny.
