Get enrolled in affordable ACA health insurance in three simple steps
Enter your information and instantly compare ACA marketplace plans. See what subsidies you qualify for.
Speak with licensed insurance agents who understand ACA plans and can help you choose the right coverage.
Complete your enrollment quickly and securely. Start using your new health insurance right away.
We make health insurance simple, affordable, and accessible for everyone
Qualify for subsidies up to $700/month on ACA plans
Work with certified professionals who know insurance
Optimized for mobile devices and busy lifestyles
HIPAA compliant with bank-level security
The Affordable Care Act provides premium subsidies to help make health insurance affordable. Most people qualify for some level of financial assistance.
$425
Based on average marketplace plans
Real stories from real people who found affordable coverage
"Policy Bear saved me over $300 per month on my health insurance. The agent was so helpful in explaining all my options."
Austin, TX
"Finally found a company that makes health insurance simple. The whole process took less than 30 minutes."
Denver, CO
"Great customer service and they helped me understand all the benefits. I'm saving $400 monthly now!"
Phoenix, AZ
We're a modern, consumer-first ACA health insurance agency dedicated to making affordable health coverage accessible to everyone.
Founded by insurance professionals who were frustrated with the complexity of the health insurance marketplace, Policy Bear was created to simplify the enrollment process and help Americans find the coverage they need at prices they can afford.
To democratize access to affordable health insurance by simplifying the ACA marketplace and providing expert guidance to every American who needs coverage.
Everything you need to know about ACA marketplace plans and enrollment
Affordable Care Act (ACA) plans are comprehensive health insurance policies that cover essential health benefits and cannot deny coverage based on pre-existing conditions.
Lower costs, network restrictions
More flexibility, higher costs
Network-based, no referrals needed
Hybrid of HMO and PPO
Social Security cards, tax returns, pay stubs, and immigration documents if applicable
Review available plans, compare costs, networks, and benefits that meet your needs
Complete your application and choose your plan during open enrollment or qualifying events
Pay your first premium and receive confirmation of your coverage start date
60% Coverage
70% Coverage
80% Coverage
90% Coverage
All ACA plans must cover these 10 essential health benefits:
Doctor visits and outpatient services
Emergency room visits and urgent care
Inpatient hospital stays and surgery
Pregnancy and newborn care
Mental health and substance abuse
Prescription medication coverage
Physical and occupational therapy
Laboratory tests and diagnostics
Wellness visits and screenings
Children's dental and vision care
Enhance your ACA coverage with additional protection for specific needs
Speak with a licensed agent today and find the perfect health insurance plan for your needs and budget
Monday - Friday: 8AM - 8PM EST
Saturday: 9AM - 5PM EST
Available during business hours
Everything you need to make informed decisions about your health insurance
Estimate your premium tax credits and cost-sharing reductions
Find ACA plans available in your area with current pricing
Check if your doctors are covered by specific insurance plans
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