Everyday care
Doctor visits, checkups, and care when you’re not feeling your best.
INDIVIDUAL & FAMILY HEALTH INSURANCE
Health insurance.
For your life.
For your budget.
Explore ACA coverage for individuals and families—and whether you may qualify for help with your monthly premium.
Coverage for your situation.
ACA coverage when you work for yourself.
Freelancing, running a solo business, or working gigs? Individual ACA plans can be an option when you don’t have coverage through an employer.
What to have ready- Savings depend on estimated household income and other eligibility factors.
- Compare premiums alongside the care and prescriptions you expect to use.
FREE 6-PAGE GUIDE
Your 2027 ACA
coverage guide.
- 01 Enrollment dates & deadlines
- 02 Costs, savings & 2027 changes
- 03 A printable plan-comparison worksheet
Coverage for everyday life.
And the days you don’t plan.
ACA Marketplace plans include essential health benefits.
Prescription coverage
Help paying for covered medications. Each plan has its own drug list.
The unexpected
Emergency services and hospital care when life doesn’t go to plan.
Preventive care
Many preventive services at no cost when provided in network.
Mental health
Coverage for mental health and substance use disorder services.
Growing families
Maternity, newborn, and pediatric care.
Benefits shown are categories, not a specific plan’s terms. Covered services, networks, drug lists, and out-of-pocket costs vary. Review plan documents before enrolling. Explore essential benefits
HOW A PREMIUM TAX CREDIT WORKS
Your plan’s monthly price
− Any tax credit you qualify for
YOUR MONTHLY PREMIUMWhat you pay.
Don’t assume coverage
is out of reach.
A premium tax credit may help lower your monthly payment. Your household income, household size, and other eligibility factors determine whether you qualify.
Some eligible households can also get lower out-of-pocket costs with a Silver plan.
The Marketplace determines eligibility. Financial assistance reduces insurance costs; it is not a cash payment.
A low premium is a start.
The whole picture matters.
Your monthly payment
Look at the premium after any tax credit you qualify for.
Your doctors
Check the specific plan’s network for your doctors and hospitals.
Your prescriptions
Review the covered-drug list and what your medications may cost.
Your costs for care
Compare deductibles, copays, coinsurance, and out-of-pocket limits.
2027 OPEN ENROLLMENT
Know your deadline.
Keep your options open.
When you enroll affects when your coverage can begin. Our 2027 guide explains the dates, state differences, and what to have ready.
Read the 2027 enrollment guideNOV01
Open Enrollment begins
November 1, 2026 · Explore 2027 coverage.
DEC15
Start the year covered
Enroll by December 15 for a January 1 start.
JAN15
HealthCare.gov enrollment ends
Enroll by January 15, 2027 for a February 1 start.
State Marketplace dates may differ. Pay your first premium if one is due. Certain life events may open a Special Enrollment Period; Medicaid and CHIP accept applications year-round.
ACA questions,
answered.
What is ACA health insurance?
ACA stands for the Affordable Care Act. Marketplace plans are individual and family health insurance that cover essential health benefits. They cannot deny you coverage or charge you more because of a pre-existing condition. Premiums, provider networks, deductibles, and covered prescriptions vary by plan.
Can I get help paying for my coverage?
You may qualify for a premium tax credit based on household income, household size, and other eligibility requirements. Some eligible consumers can also get lower deductibles and other out-of-pocket costs through a Silver plan. Savings are not guaranteed; the Marketplace determines eligibility. Premium tax credits lower insurance costs—they are not cash benefits. Learn about Marketplace savings.
When can I enroll for 2027?
HealthCare.gov Open Enrollment runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage starting January 1, or by January 15 for coverage starting February 1, and pay your first premium if one is due. State Marketplace deadlines may differ. Check your Marketplace for the rules that apply to you.
What if I need insurance outside Open Enrollment?
Certain life changes—such as losing qualifying health coverage, getting married, or having a baby—may qualify you for a Special Enrollment Period. Timing and documentation requirements apply. Medicaid and CHIP applications are accepted year-round. A contact request on this website does not establish your eligibility.
Does filling out this form enroll me in a plan?
No. This is a request to be contacted by Quote Variety about health insurance. It is not a quote, insurance application, eligibility decision, or enrollment. Any plan selection and enrollment happens separately, with your authorization. You can also shop directly at HealthCare.gov or your state Marketplace.
Is OEP Navigator part of the government?
No. OEP Navigator is a privately operated insurance information and referral website from Quote Variety. The name is a brand; we are not a government-certified Marketplace Navigator and are not affiliated with or endorsed by HealthCare.gov or any government agency.
