Affordable, comprehensive coverage with access to federal subsidies and zero-cost preventive benefits.
The Affordable Care Act (ACA) provides health insurance options that offer essential benefits, preventive care, and access to tax credits that can significantly reduce monthly premiums. Whether you’re self-employed, between jobs, or looking for affordable family coverage, ACA Marketplace plans can help you get quality healthcare at a price that fits your budget.
⭐ What Are ACA Marketplace Plans?
ACA plans (also known as “Obamacare plans”) are health insurance policies available through the federal or state Marketplace. These plans must follow federal guidelines and include essential health benefits such as:
- Preventive services
- Doctor visits and specialist care
- Prescription drug coverage
- Emergency care
- Mental health services
- Hospitalization
- Maternity care
- Pediatric care
All Marketplace plans are guaranteed-issue—meaning no one can be denied coverage based on health conditions.
⭐ Premium Tax Credits & Cost Savings
Many individuals and families qualify for:
✔ Premium Tax Credits
Lower your monthly health insurance payments based on your income, household size, and state.
✔ Cost-Sharing Reductions
Lower deductibles, copays, and out-of-pocket costs for qualifying Silver plans.
✔ $0 Preventive Care
Certain preventive services are always covered at no cost.
We can help you check your eligibility for all available savings.
⭐ Who Qualifies for ACA Coverage?
You may qualify for an ACA plan if you:
- Are a U.S. citizen or legal resident
- Do not have access to affordable employer coverage
- Are self-employed, a contractor, gig worker, or between jobs
- Need coverage outside employer open enrollment
- Want comprehensive benefits with guaranteed acceptance
⭐ Types of ACA Plans
ACA plans come in four main categories:
- Bronze – Lowest premiums, higher deductibles
- Silver – Balanced coverage; eligible for cost-sharing savings
- Gold – Higher premiums, low out-of-pocket costs
- Platinum – Highest premiums, lowest out-of-pocket
We help you compare plans based on your doctors, prescriptions, and monthly budget.
⭐ When Can You Enroll?
Open Enrollment Period (OEP)
November 1 – January 15 in most states.
Special Enrollment Periods (SEP)
Year-round enrollment if you have qualifying life events such as:
- Loss of employer coverage
- Moving to a new state
- Marriage or divorce
- Birth or adoption
- Income changes affecting subsidies
We can determine if you qualify for a Special Enrollment Period today.
⭐ Why Work With LifeCare Benefit Services?
We help you:
- Compare Marketplace plans available in your state
- Check tax credit and subsidy eligibility
- Ensure your doctors and prescriptions are covered
- Understand deductibles, copays, and out-of-pocket limits
- Pick a plan that fits your medical needs and financial goals
You get personalized guidance—at no cost to you.