What is ACA health insurance?

ACA (Affordable Care Act) Marketplace plans are comprehensive major-medical coverage that include essential health benefits and cover preexisting conditions.

Will I pay $0 premium?

Many households qualify for savings, but amounts depend on income, household size, ages, plan, and location.

What if my employer offers insurance?

If your employer’s offer is considered affordable under ACA rules, Marketplace subsidies generally aren’t available. We’ll check your situation to confirm.

Under-65 Health Insurance — Video

Under-65 Health Insurance (ACA) — Simple Guide

Real, comprehensive coverage—often with income-based savings through the ACA Marketplace. If you don’t have insurance, I can help you enroll the right way and protect what you’ve worked for.

Call (435) 219-5120 Email us

Not a government agency. Local, licensed help serving Vernal and the Uintah Basin.

Why coverage matters (especially if you own property)

ACA plans include an annual out-of-pocket maximum to help cap worst-case costs.
Essential health benefits and preventive care are included.
Coverage helps reduce the risk that medical bills threaten your savings and assets.

How it works

Quick chat — tell us your doctors, meds, and must-haves.
Side-by-side options — we narrow choices to what fits you.
Enroll when ready — by phone or online, with a licensed agent.
We stay with you — year-round help for questions and changes.

Who qualifies for ACA savings?

You’re under 65 and not on Medicare.
Your household income and size fit subsidy ranges.
You live in an eligible ZIP/county.
You do not have an offer of affordable employer coverage (per ACA rules).

If you do have an employer offer, subsidies may not apply. Not sure? We’ll check and give you a clear answer.

Enrollment windows (quick guide)

Open Enrollment: typically early Nov – mid-Jan (coverage starts in Jan).
Special Enrollment: after certain life events—moving, losing coverage, marriage, birth, etc.

Dates and rules can vary each year—ask us to confirm your options.

Get local, licensed help

We’ll estimate your savings, check your doctors/prescriptions, and show simple options—no pressure.

Call (435) 219-5120 Email us

Disclosures

Plan availability varies by county and carrier. Savings require eligibility for federal premium tax credits and/or cost-sharing reductions through the ACA Marketplace; amounts vary by household size, income, ages, and other factors. For information about all Marketplace options, visit HealthCare.gov or call 1-800-318-2596.

Not connected with or endorsed by HealthCare.gov or any government agency.