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This is not a government agency. Planning Insurance is a licensed insurance agency that helps connect you with ACA Marketplace plans available in your area.

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01 Open & special enrollment

Health coverage that fits your budget.

Premium tax credits under the Affordable Care Act can lower what you pay each month. A licensed agent helps you find an ACA Marketplace plan that fits your needs.

Doctor visits, prescriptions, hospital care — covered.

Call 1-833-000-0000 Find my plan
5M+
Americans helped
10
Essential benefits
50
States served

Check your subsidy

Enter your info and a licensed agent will help you compare plans and the tax credits you qualify for.

By submitting you agree to be contacted by a licensed agent, including by automated means. Consent is not required to purchase. Msg & data rates may apply.

02 / Plan benefits

Why choose an ACA plan.

01

Lower monthly premiums

Premium tax credits can significantly reduce what you pay each month. An agent calculates the savings you qualify for based on your income.

02

Premium tax credits

Subsidies based on your income and household size lower your monthly cost. Many families save substantially on their coverage.

03

10 essential benefits

Every ACA plan covers doctor visits, hospital care, prescriptions, preventive care, mental health, maternity, and more.

04

Pre-existing conditions covered

Insurers cannot deny you or charge more for conditions like diabetes, asthma, cancer, or pregnancy. You're protected by law.

03 / Coverage

What ACA plans cover.

Every plan sold on the Health Insurance Marketplace covers the 10 essential benefits required by the Affordable Care Act — with no annual or lifetime dollar limits.

  • Doctor & specialist visits 01
  • Hospital & emergency care 02
  • Prescription drugs 03
  • Preventive & wellness care 04
  • Mental health & substance use 05
  • Maternity & pediatric care 06
04 / How it works

How it works.

  1. 01 STEP

    Call or enter your ZIP

    We pull up the Marketplace plans available in your specific county.

  2. 02 STEP

    Compare plans & subsidies

    A licensed agent reviews plans side by side and calculates the exact tax credit you qualify for.

  3. 03 STEP

    Enroll with confidence

    Pick the plan that fits your budget. Enrollment is quick, and we handle the details with you.

05 / Member stories

What our members say.

Q.01
“I'd been uninsured for two years because I thought I couldn't afford it. The agent walked me through the subsidies and found me a Silver plan that actually fit my budget. I finally have a real doctor again.”
Marisol T.
Age 32 · Enrolled 2024
Q.02
“My COBRA was $780/month after I lost my job. The agent got me onto a marketplace plan with the same network for $94/month. That call saved my family thousands.”
Derrick P.
Age 45 · Enrolled 2023
Q.03
“I'm self-employed and was scared no insurer would take me with my heart condition. Under the ACA they can't deny me. My plan even covers the cardiologist I've seen for years.”
Linda K.
Age 58 · Enrolled 2022
06 / FAQ

Anything else worth asking.

F.01 What is the ACA / Affordable Care Act? +
The Affordable Care Act (ACA) — also called Obamacare — is the federal law that created the Health Insurance Marketplace. It guarantees that every plan covers 10 essential benefits, prevents insurers from denying you for pre-existing conditions, and offers premium tax credits that lower what you pay each month based on your income and household size.
F.02 Do I qualify for a subsidy? +
Most Americans qualify for some level of subsidy. Eligibility is based on your projected household income, family size, and the plans available in your area. A licensed agent can calculate the tax credits you qualify for in just a few minutes and help you find a plan that fits your budget.
F.03 What if I have a pre-existing condition? +
You're protected. Under the ACA, health insurers cannot deny you coverage, charge you more, or refuse to cover treatment for any pre-existing condition — including diabetes, cancer, heart disease, asthma, mental health conditions, or pregnancy.
F.04 When can I enroll in a plan? +
Open Enrollment for the Health Insurance Marketplace typically runs from November 1 through January 15. Outside of that window, you may qualify for a Special Enrollment Period (SEP) if you've had a qualifying life event — like losing job-based coverage, moving, getting married, having a baby, or a change in household income. Call us to see if you can enroll today.
07 / Get started

Find your ACA plan today.

A licensed agent will compare marketplace plans in your area and calculate your subsidy — at no cost to you.

No-cost guidanceNo obligationLicensed agents
Call 1-833-000-0000

Mon–Fri, 8am–8pm EST