ACA Plans (sometimes called ObamaCare or Individual & Family Plans) are major medical health insurance policies issued by insurance carriers that conform to the requirements of the Affordable Care Act (ACA) – a federal law in the United States that aims to improve access to affordable health insurance for all Americans.
There are many plans on the health care Marketplace that you may qualify for. ACA plans fit within 4 health plan categories: Bronze, Silver, Gold, and Platinum. These categories are based on how you and your plan split the costs of your health care.
Bronze: Low monthly premium with higher costs when you receive care. A good choice if you want a low-cost way to protect yourself from worst-case medical scenarios, like serious sickness or injury.
Silver: Moderate monthly premium with moderate costs when you receive care. If you qualify, you can get extra savings with a Silver plan, such as cost-sharing reductions and premium tax credits.
Gold: High monthly premium with low costs when you receive care. If you require a lot of care, a Gold plan may be the best value for you.
Platinum: Highest monthly premium with the lowest costs when you receive care. Your deductibles on Platinum plans are very low.
When choosing the best plan for you, we consider many factors including your lowest out-of-pocket spend and the widest coverage in your area. We’ll email you details about your plan once you’re enrolled, but if you have any questions regarding plan options, premiums, carrier networks, or our enrollment process, you can call our insurance agents anytime at 888-888-8888.
Eligibility for ACA Plans is based on total household income, whether you have access to affordable health insurance through your employer or another government program, such as Medicare or Medicaid, and other income requirements that may vary by state. ACA Plans are available to non-incarcerated U.S. citizens or legal residents living in the U.S. that meet the enrollment criteria.
Depending on your income and other personal details, you may qualify for additional cost-sharing reductions to help lower what you pay for copays, coinsurance and deductibles.
Please note: $0 premium plans may require you to pay certain copayments or deductibles when receiving care*. See your plan documents for more information or you can call our qualified agents at 888-888-8888 for assistance.
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*Disclaimers and Important Information:
TotalChoiceFamily.com is an independent marketplace and is not a federal or state marketplace website.
TotalChoiceFamily.com does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. According, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.
This website may not display all data on qualified health plans being offered in your state through the marketplace website. To see all available data on qualified health plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at www.healthcare.gov.
*Restrictions based on income may apply. There are several factors that impact your monthly premium; including, but not limited to your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs. The advertised price may not be typical. The following parameters were used: 21 year old adult, non-tobacco user, no children, and no available coverage through a spouse’s employer. Even when using the same parameters, this result is subject to change.
All Americans should have the the right to access quality health insurance in a way that’s simple, affordable, and transparent. We strive to save our customers time, money, and frustration by guiding them through the enrollment process.