The Affordable Care Act (ACA) Marketplace can seem overwhelming at first glance—but with the right guidance, finding your ideal plan is easier than you think. Let’s break down how it works and what you should look for.

What Is the ACA Marketplace?
The ACA Marketplace (also known as Healthcare.gov) is a platform where individuals and families can shop for affordable, government-regulated health plans. Every plan covers essential health benefits like preventive care, prescription drugs, and emergency services.

Know the Plan Levels
Plans are divided into four “metal tiers”: Bronze, Silver, Gold, and Platinum.

• Bronze: Lowest premiums, highest out-of-pocket costs.
• Silver: Balanced coverage and cost (most popular).
• Gold & Platinum: Higher premiums but lower costs when receiving care.

Your best choice depends on your healthcare needs and financial comfort level.

Check for Financial Assistance
Most Americans qualify for help paying their premiums through federal tax credits. These can greatly reduce your monthly cost, especially if your income is moderate.

Understand Enrollment Periods
You can usually enroll during the Open Enrollment Period, but special circumstances—like job loss or marriage—may allow you to enroll at other times. Missing these windows could mean waiting months for coverage.

Work with a Licensed Agent
At Kelger Insurance Group, we make the process simple. We’ll walk you through your options, explain your benefits clearly, and ensure you get the most value for your money.

Let’s simplify your health insurance search.

👉 Contact Kelger Insurance Group today to find your perfect ACA plan.