ACA Marketplace plans, chosen with a professional beside you

Marketplace (“Obamacare”) plans are full major-medical coverage: pre-existing conditions covered, essential benefits included, and — for eligible households — premium tax credits that lower your monthly cost. We compare every plan in your county and handle enrollment end to end, free.

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2026 changed the math. The enhanced subsidies expired on December 31, 2025. For 2026, premium tax credits follow the original ACA schedule — and above 400% of the federal poverty level (about $62,600 for one person, $128,600 for a family of four) no credit is available at all. If you're above the cliff, private coverage may now beat full-price Marketplace plans. We'll compare both for you.

What Marketplace plans cover

All ACA plans cover the ten essential health benefits — doctor visits, hospitalization, emergency care, prescriptions, maternity, mental health, preventive care, and more — with no denial or surcharge for pre-existing conditions and no lifetime dollar caps.

How 2026 subsidies work

If your household income lands between 100% and 400% of the federal poverty level, a premium tax credit caps your share of the benchmark Silver plan at 2.10%–9.96% of income (IRS Rev. Proc. 2025-25). Under about 250% of FPL, Cost-Sharing Reductions also shrink Silver-plan deductibles and copays. Check where you stand →

Metal tiers, translated

Bronze, Silver, Gold, and Platinum describe cost-sharing, not quality. Bronze = lowest premium, highest out-of-pocket; Platinum = the reverse. Silver unlocks CSRs for eligible incomes — which can make it the strongest value on the shelf. We'll show you the crossover math for your usage.

Timing

When you can enroll

Open Enrollment

The annual window for 2027 coverage opens November 1, 2026 in most states. Closing dates vary by state (mid-December through late January) and the federal deadline is still being litigated for 2027 — so treat early enrollment as the deadline. Enroll by mid-December for a January 1 start.

Special Enrollment Periods — right now

Outside Open Enrollment you can still enroll within (usually) 60 days of a qualifying life event: losing job-based or other coverage, moving, marriage, divorce that ends coverage, a new baby or adoption, and several others. Not sure if your situation counts? That's a five-minute phone call — and if you don't qualify, we'll map the bridge options.

Two ways to get your real 2026 numbers

Self-serve quotes through our secure HealthSherpa portal, or hand it to a licensed agent and we'll bring you the shortlist. Same plans, same prices as healthcare.gov.

Quote It Myself Have Chris Do It

CJS Insurance Solutions is a private, independent agency — not the federal Marketplace or a government agency. Subsidy eligibility is determined solely by the Marketplace based on your verified application.