You do not need an employer for good coverage. We show every plan in your county and check whether a tax credit cuts your premium.
Plans as low as $0/month for those who qualify
You will not see made-up prices here. We pull real plans for your county, then a licensed agent sends the numbers that fit your household.
Tell us where you live and who needs coverage. That is enough to find the plans you can buy on the Marketplace.
An agent runs your premium tax credit and any cost-sharing help based on your income, so the comparison reflects what you would pay.
We email your side-by-side options with your doctors checked. Pick one when you are ready and we handle the paperwork. No obligation.
Individual and ACA plans exist for anyone who does not get insurance through a job.
Freelancers, contractors and small owners who cover themselves and often qualify for a tax credit.
Retired before 65 and bridging the gap until Medicare begins, without overpaying for COBRA.
Parents insuring kids, or anyone between jobs who wants coverage that keeps their doctors.
ACA Marketplace plans come in four metal tiers set by how much of your care the plan pays on average: Bronze about 60 percent, Silver about 70 percent, Gold about 80 percent and Platinum about 90 percent. A lower tier means a lower premium but more cost when you use care. The right tier depends on your income, your health and how often you see a doctor.
The dots show the tradeoff: a lower premium usually means you pay more when you use care.
Lowest monthly premium, highest deductible. Preventive care is still free in network.
The only tier with cost-sharing reductions that cut your deductible and copays if your income qualifies.
Higher premium, lower deductible and copays. More predictable when you use care.
Highest premium, lowest out-of-pocket. You pay the least each time you get care.
Under 30 or facing a hardship? A Catastrophic plan sits below Bronze with a very low premium and a high deductible ($10,600 in 2026). It covers preventive care and at least three primary care visits before the deductible, then protects you against a worst-case year.
Both are based on your household income and size, and an agent checks them for you at no charge.
A subsidy that lowers your monthly premium on any metal tier. Enhanced pandemic-era credits ended after 2025, so 2026 amounts are smaller and income limits are back, which makes checking your real number worth the few minutes it takes.
Extra savings that shrink your deductible, copays and out-of-pocket max. They apply only if you pick a Silver plan and your income falls in the qualifying range, so tier choice and income work together.
Sample testimonials shown for template design purposes.
"I went freelance and panicked about health insurance. They found a Silver plan with cost-sharing savings I did not know I qualified for."
"We retired at 62 and needed coverage until Medicare. The agent walked us through the tax credit and the numbers finally made sense."
"COBRA was going to cost a fortune. They found a family plan that covered our pediatrician for a lot less. No pressure at all."
Marketplace plans are grouped into four tiers by how much of your covered care the plan pays on average: Bronze about 60 percent, Silver about 70 percent, Gold about 80 percent and Platinum about 90 percent. A lower tier means a lower premium but a bigger share of costs when you actually use care. All tiers cover the same essential health benefits.
It depends on your income and how often you use care. Silver is the only tier that unlocks cost-sharing reductions, so if your income qualifies, a Silver plan often gives you a low deductible for a moderate premium. If you rarely see a doctor, Bronze may cost less overall. If you have ongoing needs, Gold or Platinum can save you money across the year.
Many households do. A premium tax credit reduces your monthly cost based on your income and family size. The enhanced credits from 2021 to 2025 have expired, so 2026 amounts are smaller and income limits apply again. A licensed agent can check your exact figure at no charge before you choose a plan.
Often yes. Plans use networks such as HMO, PPO, EPO or POS, and each has its own list of in-network providers. Tell your agent which doctors and hospitals matter to you and they will confirm which plans include them before you enroll.
Open Enrollment runs from November 1 to January 15 in most states. Outside that window you generally need a qualifying life event, such as losing job coverage, moving, getting married or having a baby, which opens a 60-day Special Enrollment Period.
Start with your ZIP and a licensed agent emails the Marketplace plans in your county with your tax credit already applied. No cost, no obligation.
In a real launch, a licensed Beacon agent would email your personalized, no-cost plan comparison within one business day. This preview does not store or send any information.