Marketplace Coverage, Made Simple
The Marketplace, also called the exchange, is where individuals and families can compare and enroll in health plans—often with financial assistance. It was created under the Affordable Care Act to make coverage more accessible and affordable.
Your ACA questions, answered
Open any question below for a clear, straightforward explanation.
What are the basic requirements to enroll through the Marketplace?
You must live in the United States, be a U.S. citizen or national—or be lawfully present in the country—and you cannot be incarcerated in prison or jail.
What patient protections does the Affordable Care Act provide?
Under the Affordable Care Act, people insured through the Health Insurance Marketplace receive important protections:
- Insurers cannot refuse to offer coverage based on sex or a pre-existing condition.
- There are no lifetime or annual limits on coverage for essential health benefits.
- Young adults can remain on their family’s insurance plan until age 26.
What does it mean to be lawfully present in the United States?
Being lawfully present refers to people who have the legal right to reside in the United States. This includes various immigration statuses, such as lawful permanent residents, refugees, and certain visa holders. For details about eligible immigration statuses, consult official resources or an immigration professional.
How does the ACA protect people with pre-existing conditions?
The ACA ensures that insurers cannot deny coverage or charge higher premiums based on a person’s pre-existing conditions. Regardless of your health history, you can obtain health insurance coverage.
Are there limits on coverage for essential health benefits?
No. The ACA prohibits insurers from placing lifetime or annual limits on coverage for essential health benefits. This helps ensure that essential medical services remain available without the worry of exhausting your insurance benefits.
What options do young adults have for family coverage?
Young adults can remain on their family’s health insurance plan until they turn 26. This allows them to stay covered while pursuing an education or entering the job market.
How can I get help enrolling in Marketplace coverage?
Visit the official Health Insurance Marketplace website for enrollment information and available plans. You can also contact us for local, personalized help comparing your options.
Get help choosing a Marketplace plan
We’ll help you compare coverage and check whether you may qualify for savings—at no extra cost.