Health Insurance (Under 65) — Marketplace (ACA) Plans

Marketplace Health Insurance, Explained Simply — With Free Help Enrolling

The ACA Health Insurance Marketplace can help you find coverage, and possibly a subsidy to lower your cost. We help you navigate your options and enroll, at no cost to you.

Get My Free Marketplace Plan Comparison Call (888) 901-4870 to Speak with a Licensed Agent

Home » Marketplace (ACA)

Marketplace basics

What Is the Health Insurance Marketplace?

The Health Insurance Marketplace, created under the Affordable Care Act, is where individuals and families can shop for and enroll in health coverage, and find out if they qualify for financial help lowering the cost. Marketplace plans are required to cover a defined set of essential health benefits and must accept applicants regardless of pre-existing conditions.

This is general product education. Subsidy eligibility depends on household income, size, and other factors, and is determined by the Marketplace, not by this agency. This page does not describe the details of any single policy.

What Marketplace Plans Include

Coverage for essential health benefits, including hospitalization, prescription drugs, and preventive care
Guaranteed acceptance regardless of pre-existing conditions
Potential premium tax credits and cost-sharing reductions based on household income
Plans categorized by metal tier (Bronze, Silver, Gold, Platinum) reflecting how costs are shared between you and the plan

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Who this is for

Is a Marketplace Plan Right for You?

You don’t have coverage through an employer — Or your employer coverage isn’t affordable or doesn’t meet minimum standards
Your income may qualify you for a subsidy — Many people are surprised to find they qualify for help lowering their premium
You have a pre-existing condition — Marketplace plans can’t deny coverage or charge more because of your health history
You’ve had a life change — Losing a job, getting married, or having a baby can qualify you for a Special Enrollment Period outside the normal window

Why call Lifelong Insurance Agency

Free Help Navigating the Marketplace

The Marketplace can be confusing to navigate alone, comparing metal tiers, networks, and subsidy estimates across dozens of plans. We help make sense of it.

Independent, not captive

We compare Marketplace plans across multiple carriers available in your area, not just one.

No cost to you

Our guidance is always free, with no obligation to enroll. Marketplace plan pricing is the same whether you enroll through us or directly.

We help estimate your subsidy

So you have a clear picture of your likely out-of-pocket cost before you choose a plan.

A resource beyond enrollment

We remain available to you for as long as you have coverage.

Get Free Help Comparing Marketplace Plans →

What clients say

Real feedback from people we’ve helped

      EXCELLENT  
   Based on 165 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Blanca Barrera 
 
 
 
  Chad was recommended to me by a family member. He was very professional and answered any questions we had. He always kept his appointment times. I will definitely recommend him to additional family and friends
  
 
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   Jeff Anderson-57 
 
 
 
  Chad is easy to work with and very prompt with his scheduled meetings.  He is also very informative and knowledgeable in his work.  He helped us navigate the complexities of getting everything in order for our retirement health services.
  
 
      Posted on Google  
   
   Cindy Fisher 
 
 
 
  Great service and thoughtful explanation of many choices available.
  
 
      Posted on Google  
   
   joan burkholder 
 
 
 
  Working with Chad has been a great help for my husband and I. We have complete confidence in his help!
  
 
      Posted on Google  
   
   Chris Fisher 
 
 
 
  Chad did a great job explaining the complex MEDICARE options to us in a simple and easy to understand manner. We then were able to choose the options that made the most sense for us and were very cost effective. The fact that Chad does not represent just one carrier allows him to offer the best rates and programs from all of the insurance companies. Super nice guy and great to work with. Very patient and kind with NO high pressure sales tactics. Highly recommend Chad Cason-
  
 
      Posted on Google  
   
   SAM ATL 
 
 
 
  My retirement plan changed suddenly and needed to move forward with setting up my Medicare, Plan D and supplemental plans. Chad was recommended to me and I would recommend him to anyone else.  He is there to answer questions, even if you're not yet ready to purchase a plan.  He is a tremendous resource.  When I was ready to purchase, he took care of everything that he could.  Mostly, I just had to sign my name.
  
 
      Posted on Google  
   
   Jim Joyce 
 
 
 
  Very knowledgeable, and helpful. I felt like Chad had my best interest at heart.
  
 
      Posted on Google  
   
   Tara Boyce 
 
 
 
  Chad Cason and his administrative assistant are the best. They work as a team and always get back and follow up on all questions and task.
Chad was very patient with me when I changed my retirement date several times. Chad was very informative and looked at the best plans to address my needs and present prescription's. If I had a question, he would always get back with me. I highly recommend Chad Cason as your Medicare coach. He will lead you in the best direction and set you up with the best plan to address your individual needs.
  
 
  
  
 
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   Verified by Trustindex  Trustindex verified that these reviews were published on Lifelong Insurance Agency LLC Agent Chad Cason's Google Business Profile. Learn more

Ready to See What You Qualify For?

We’ll help you compare Marketplace plans and estimate your subsidy, with no cost or obligation.

Get My Free Marketplace Plan Comparison Call (888) 901-4870

We do not offer every Marketplace plan available in your area. Subsidy eligibility and amounts are determined by the Marketplace based on your application, not guaranteed by this agency. This agency is not affiliated with or endorsed by HealthCare.gov or the federal government.