What is ACA?
The Affordable Care Act (ACA), also known as Obamacare, was designed to make health insurance more affordable and accessible — especially for individuals and families with low to moderate incomes. We’re dedicated to helping make this process simple and stress-free for you!
Selecting the right ACA health plan can feel like a big task, but we’re here to guide you through every step of the way.
choosing your Plan
The ACA offers four plan tiers designed to help you find coverage that fits your health needs and budget. Each tier represents how costs are shared between you and your insurance, not the quality of care you receive. Higher tiers cover more of your healthcare costs but come with higher monthly premiums, while lower tiers have lower premiums but higher out-of-pocket expenses when you get care.
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Covers about 60% of your healthcare costs
Best if you are budget-focused or overall healthy.
Preventive care, like annual checkups and vaccines, is still 100% covered.
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Covers about 80% of your healthcare costs
Low deductible, with predictable copays
Ideal if you expect to have frequent doctor visits or prescriptions
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Covers about 70% of your healthcare costs
Best if you use healthcare moderately or you are eligible for CSR saving.
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Covers about 90% of your care costs.
Best if you expect to need frequent medical care or prescriptions
You prefer lower out-of-pocket costs when you receive care.
