Essential coverage
Marketplace plans cover essential benefits such as doctor visits, emergency care, hospitalization, prescriptions, maternity care, mental health, laboratories and preventive services.
Health Insurance Marketplace
Obamacare and ACA Marketplace plans
Explore Marketplace health plans, the costs you should compare, and financial help that may be available based on your household and income.
Select InsuranceUnderstand before requesting a quote
May be relevant for
Situations worth reviewing.
- Individuals and families without employer health coverage
- Self-employed workers and small-business owners
- People who lost coverage or experienced a qualifying life event
The essentials
What to understand before comparing.
A quote is more useful when you understand which details can change coverage, access and cost.
Help with premiums
The official application determines whether you qualify for a premium tax credit. The result depends on estimated income, household size and other available coverage.
Compare more than price
Review the premium, deductible, copays, out-of-pocket maximum, prescriptions, and whether your doctors and hospitals are in network.
When you can enroll
You may apply during Open Enrollment or through a Special Enrollment Period after certain qualifying life events.
Educational example
A self-employed family
A couple with two children does not receive health insurance through an employer and wants to keep the children's current doctors.
What should be compared?They should compare the estimated tax credit, pediatric network, prescriptions, family deductible and out-of-pocket maximum. The lowest premium is not always the lowest total cost.
This example is hypothetical and is not a recommendation, quote or guarantee of coverage.Frequently asked questions
Clear answers to help you begin.
Rules, benefits, costs and availability can vary. We will review your situation before discussing a specific plan.
Is Obamacare a separate type of insurance?
Obamacare is the common name for the Affordable Care Act (ACA). Coverage is offered through private insurance companies whose Marketplace plans follow ACA rules.
Does everyone receive help paying the premium?
No. Eligibility is determined through the official application and depends on income, household, residence and access to other coverage.
Can I enroll outside Open Enrollment?
Possibly. Certain life changes may qualify you for a Special Enrollment Period. Medicaid and CHIP accept applications year-round.
Are pre-existing conditions covered?
Marketplace plans cannot deny coverage or charge more because of a pre-existing condition. Specific benefits, networks and costs vary by plan.
Important information
Always verify current details.
Select Insurance is not a government agency. Eligibility and financial assistance are determined by the Health Insurance Marketplace.
The next step
Now tell us what you need.
Complete a short form. We do not ask for diagnoses or medications during this initial contact.