Choose the path that fits your income, budget, and coverage needs.
What is the difference between ACA and private plans? ACA plans are government-subsidized marketplace plans that offer standardized benefits based on income. Private plans are off-exchange options that may offer different network access and portability, for people who do not qualify for or do not want subsidies.
Marketplace (exchange) coverage where a subsidy based on your income may reduce what you pay each month.
Off-exchange coverage bought directly from carriers, worth comparing if a subsidy is not available to you.
Dental & Vision Coverage All medical plans can include dental and vision options. Our agents partner with top carriers, including Aetna, Cigna, MetLife, Delta Dental, Ameritas, and others.
Connect with a certified agent today!
Is Medicaid the same as Obamacare? No. Obamacare is the nickname for the Affordable Care Act, the law that created the marketplace where you buy a private plan, often with a subsidy. Medicaid is a separate joint state and federal program that provides coverage based on income. The ACA expanded Medicaid in many states, which is why the two get confused.
| Health Insurance Marketplace | Medicaid | Medicare | |
|---|---|---|---|
| What it is | A law that created the marketplace where you buy a private plan | A joint state and federal coverage program | Federal health insurance |
| Who it is for | Mainly people under 65 buying their own coverage | People who qualify on income | Mainly people 65+, or younger with certain conditions |
| What it is based on | Income determines your subsidy, not your eligibility | Income | Age or disability |
| Who to talk to | A licensed agent (that’s us) | Your state Medicaid office, or an agent | A licensed agent — see our Medicare page |
ACA plans are government-subsidized marketplace plans that offer standardized benefits based on income, while private plans are off-exchange options that may offer different network access and portability for those who do not qualify for or desire subsidies.
Not necessarily. While many people qualify for ACA subsidies based on income, our agents can help you explore both subsidized and private market options to see which path is most cost-effective for your specific financial situation.
Yes. Self-employed individuals and gig workers often have fluctuating incomes, making professional guidance essential to navigate tax credits and the best time to enroll in coverage.
Most individuals become eligible at age
65. However, you may also qualify earlier due to certain disabilities or
conditions. An agent can help you determine your exact enrollment window.
Original Medicare (Part A & B) is a fee-for-service program,
while Medicare Advantage (Part C) is an alternative way to get your
benefits, often bundling medical, hospital, and drug coverage into one plan.
An agent can help you compare which structure fits your healthcare needs.
Yes. Choosing a prescription drug plan (Part D) depends heavily on the specific medications
you take. Our agents can help you look at drug formularies to find a plan that covers your prescriptions at the lowest cost.
Find a certified Agent or Broker Near You. Our licensed agents work over multiple states and will walk you through your options in plain language.
