Compare Affordable Care Act plans available in your area. An independent licensed agent can help you find options that may fit your budget — and there’s no cost to speak with one.
Find my plan optionsCoverage rules that apply to every ACA-compliant plan.
An independent licensed agent can compare plans from [NUMBER] carriers available in your area. There’s no cost to speak with an agent.
ACA-compliant plans cannot deny you coverage or charge you more because of a pre-existing health condition.
Depending on your income, household size, and location, you may qualify for a premium tax credit or cost-sharing reduction that lowers your monthly cost. The enhanced tax credits available from 2021 through 2025 expired on December 31, 2025, so amounts are generally lower than in recent years. Only the Health Insurance Marketplace can determine what you qualify for.
Most ACA-compliant plans cover a set of preventive services with no cost sharing when you use an in-network provider.
Prescription drug coverage is one of the ten essential health benefits every ACA-compliant plan must include.
An independent licensed insurance agent — not affiliated with LeadBaron LLC — can walk you through plan details, provider networks, and enrollment. No pressure, and no cost to talk.
Open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027 in states that use HealthCare.gov. To have coverage begin January 1, 2027, enroll by December 15, 2026. Some state-run Marketplaces have different dates.
Outside open enrollment, you can generally enroll only with a qualifying life event — such as losing coverage, marriage, birth or adoption, or a permanent move — which usually opens a 60-day special enrollment period.
November 1, 2026 through January 15, 2027 in states using HealthCare.gov. Enroll by December 15, 2026 for coverage starting January 1, 2027. Some state-run Marketplaces set different dates.
Yes. Premium tax credits remain available for eligible households. The enhanced credits in place from 2021 through 2025 expired on December 31, 2025, so amounts are generally lower than in recent years and the 400% federal poverty level income limit has returned.
Nothing. Agents are compensated by insurance carriers, so there is no fee to you for speaking with one.
Generally only with a qualifying life event — losing coverage, marriage, birth or adoption, or a permanent move. A qualifying event usually opens a 60-day special enrollment period.
Four quick questions. Then call a licensed agent.
Plans and pricing vary by county.
Enter a 5-digit ZIP code.
Age affects which plans you can enroll in.
Include everyone on your tax return.
Estimates are fine. This affects whether you qualify for a tax credit.
An independent licensed agent can go over the plans available in your area. There’s no cost to call.
Call a licensed agent now (800) 555-0000Calls may be recorded or monitored.
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