Secure ACA Health Insurance for Just $10/ Month in 2025!

90% of Americans qualify. Find out in 30 seconds—no commitment, no hassle.

Find your 2025 ACA health plan in 30 seconds. Over 90% of Americans qualify—even with recent policy updates.

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No obligation, quick and easy process.

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ACA Subsidy Calculator

Find out your estimated savings in 30 seconds

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Your annual income before taxes

Annual income before taxes

Are you currently eligible for health coverage through an employer, Medicaid or Medicare?

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Understanding the ACA Health Insurance Plan

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.

You’re Never Denied

No medical exams or denial for pre-existing conditions

Get Financial Support

Subsidies based on income and family size

Coverage That Cares

10 essential health benefits included

Stay Healthy for Free

Free preventive care and wellness visits

Not sure if you qualify? Use our ACA Subsidy Calculator to find out in under30 seconds.

ACA Marketplace Plans: Know Your Options

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.

Federal Marketplace

Most states use plans from the government marketplace like Healthcare.gov. You get the same subsidies and protections if you are eligible.

Same subsidies and protections
Available in most states

State-Run Exchanges

California, New York, and others

Some states, like California and New York, have their own websites or marketplaces with state-specific benefits and customer service.

State-specific benefits
Dedicated customer service

10 Essential Benefits That All ACA Plans Include

Every ACA-compliant plan, from Bronze to Platinum, must include these comprehensive benefits at no extra cost to you.

Core Medical Services

Essential healthcare services you need most

Outpatient Care

Doctor visits & consultations

Emergency Services

24/7 emergency room care

Hospitalization

Surgery & overnight stays

Lab Tests & Imaging

X-rays, MRIs, blood work

Rehabilitation

Physical & occupational therapy

Specialized Coverage

Comprehensive care for life's important moments

Maternity Care

Pregnancy & newborn care

Mental Health

Therapy & substance abuse treatment

Prescription Drugs

Generic & brand medications

Pediatric Care

Kids' dental & vision included

Preventive Care

Free screenings & checkups

100%

Coverage Guaranteed

All 10 essential benefits are included in every ACA plan, regardless of your health status

ACA vs. Traditional Insurance

Pre-existing conditions
Essential benefits
Annual/lifetime limits
Preventive care

Covered
All 10 included
Prohibited
100% Free

Policy Bear Protection

We only work with verified carriers and licensed agents. Get expert guidance with no obligation.

Why ACA Essential Benefits Matter

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.

$0

Preventive Care Cost

∞

No Lifetime Limits

$0

Preventive Care Cost

∞

No Lifetime Limits

2025 Critical ACA Updates: What You Need to Know

The insurance world never remains the same, and 2025 brings important changes you should know about.

Premium Reality Check

Premiums went up about 7% this year, but subsidies increased proportionally. If you qualified for help before, you likely still pay similar amounts.

Subsidy Changes

Enhanced subsidies that have saved families thousands since 2021 face potential changes under the new administration.

Record Enrollment

Over 24 million Americans enrolled for 2025 coverage in all 50 states, showing marketplace stability despite new challenges.

Aetna is Leaving the ACA Marketplace

Aetna is exiting federal ACA exchanges in 17 states. Nearly 1 million Aetna members must find new coverage by 2026.

Start exploring alternatives now during Open Enrollment.

Frequently Asked Questions

Get answers to common questions about ACA insurance, enrollment, and our services

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This is the third item’s accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It’s also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.