Marketplace (ACA) Health Insurance

Compare plans. Understand subsidies. Get covered with confidence.

The Health Insurance Marketplace—sometimes called the Exchange—was created under the Affordable Care Act (ACA) to help individuals and families access quality health coverage, often with income-based financial help.


At BCI Insured, we guide you through the entire process of comparing, applying for, and enrolling in Marketplace plans—at no cost to you. We’ll help you understand what’s available, what’s covered, and whether you qualify for help paying your premiums.

Shop for a Plan Now

Who Should Consider a Marketplace Plan?

You might be a good fit for a Marketplace plan if you:

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Don’t have insurance through an employer or spouse

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Are self-employed or working part-time

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Recently lost health coverage

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Are a pre-retiree waiting for Medicare

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Are not eligible for Medicaid or Medicare

We’ll help you determine whether Marketplace coverage is right for you—or if another option would serve you better.

What Do Marketplace Plans Cover?

Marketplace plans are required to cover these 10 essential health benefits:

  • Doctor visits
  • Emergency services
  • Hospitalization
  • Prescription drugs
  • Maternity and newborn care
  • Mental health and substance use services
  • Preventive and wellness services
  • Lab services
  • Pediatric care
  • Rehabilitative and habilitative services

These plans are ACA-compliant, meaning they offer full protections for pre-existing conditions, and no annual or lifetime limits on essential care.

Understanding Subsidies & Cost Help

Depending on your income, you may qualify for:

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Premium tax credits to lower your monthly bill

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Cost-sharing reductions that reduce deductibles or copays (if eligible)

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Expanded savings through the federal or state exchange

We’ll walk you through how to estimate your subsidy—and help you apply if you qualify.

How We Help with Marketplace Plans

  • We explain your options clearly—without jargon
  • We help you apply for coverage and income-based help
  • We represent multiple carriers, not just one
  • We support you during Open Enrollment and Special Enrollment Periods

We’re independent, and we never charge for our services. Our only goal is to help you feel confident in the coverage you choose.

When Can You Enroll in a Marketplace Plan?

  • Open Enrollment happens every fall—usually Nov 1 to Jan 15
  • You may qualify for a Special Enrollment Period if you lose coverage, move, get married, or have another life change

We’ll help you determine if you can enroll now and guide you through the steps.

FAQs About ACA Marketplace Plans

  • What if I earn too much to qualify for a subsidy?

    You can still enroll in a Marketplace plan—even without subsidies. We’ll help you explore both Marketplace and off-market alternatives.

  • Can I change plans every year?

    Yes. During Open Enrollment, you can review and switch plans. We recommend checking every year to ensure your plan still fits your needs.

  • Do Marketplace plans include dental and vision?

    Some include pediatric dental and vision. Adult dental and vision may be offered separately. We can help you add those if needed.

  • Will my doctor be covered under a Marketplace plan?

    It depends on the plan. We’ll help you find coverage that includes your preferred providers and local hospitals.

Let’s Find a Marketplace Plan That Works for You

Don’t navigate the Exchange alone. We’ll help you find the right plan, understand your subsidy eligibility, and get enrolled—without stress or fees.

Have a question?

Contact us today