ACA Marketplace
The ACA Marketplace, found at HealthCare.gov, is where you can compare and buy private health plans, often with subsidies, if you don't have job or government coverage.
Also known as
Related terms
- ACA (Affordable Care Act)
A federal law (signed 2010) that expanded access to health insurance by creating the Health Insurance Marketplace, establishing income-based subsidies, and requiring insurers to cover pre-existing conditions.
- Cost-Sharing Reduction
A Cost-Sharing Reduction lowers the deductible, copays, and coinsurance on a Silver ACA Marketplace plan for people with lower income.
- ACA Special Enrollment Period
An ACA Special Enrollment Period lets you sign up for a Marketplace plan outside Open Enrollment after life events like losing a job or having a baby.
- ACA Subsidy / Premium Tax Credit
A federal tax credit that lowers what you pay for health insurance purchased through the ACA Marketplace. The credit is calculated based on your household income relative to the Federal Poverty Level.
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Frequently asked questions about ACA Marketplace
What is the ACA Marketplace?+
A government website where people can compare and buy ACA health plans.
Who qualifies for the ACA Marketplace?+
Anyone without affordable job-based coverage, Medicaid, or Medicare.
How do I apply for the ACA Marketplace?+
Visit healthcare.gov or your state's exchange to enroll.
Where can I get help?+
Call BenefitKarma at (866) 201-2604 or use our free benefit screener.