Who it's for
- Individuals and families without affordable job-based coverage
- Self-employed people and small business owners
- Early retirees under age 65
- Anyone who wants to see whether they qualify for lower premiums
What it covers
Every ACA-compliant plan covers the 10 essential health benefits:
- Outpatient care (doctor visits)
- Emergency services
- Hospitalization
- Maternity and newborn care
- Mental health and substance use services
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care
Key things to know
Premium tax credits can lower your monthly premium
Depending on household income and size, you may qualify for a tax credit that reduces your premium. You can apply it in advance each month or claim it when you file taxes. Eligibility rules can change from year to year.
Cost-sharing reductions
If your income falls within certain limits, Silver plans may come with extra savings that lower deductibles, copays, and out-of-pocket maximums.
Metal levels
Bronze, Silver, Gold, and Platinum plans split costs differently between you and the plan. Catastrophic plans are available to people under 30 and some others who qualify.
Open Enrollment happens once a year
Open Enrollment generally begins November 1. The end date can vary by year and by state, so contact Hollen to confirm current deadlines.
Special Enrollment Periods
Outside Open Enrollment, you generally need a qualifying life event, such as losing coverage, moving, marriage, or having a baby, to enroll or change plans.
Report changes during the year
If your income or household changes, update your application. This keeps your savings accurate and helps you avoid surprises at tax time.
Frequently asked questions
Will I qualify for a premium tax credit?
It depends on your household income and size, where you live, and whether you have access to other affordable coverage. Hollen can help you check.
Is it more expensive to use an agent?
No. There's no extra charge to work with a licensed agent. Agents are generally paid by the insurance carrier, and Marketplace plan premiums are the same whether or not you use an agent.
Can I be denied for a pre-existing condition?
No. ACA-compliant plans can't deny coverage or charge more because of a pre-existing condition.
This page is general educational information, not a guarantee of coverage, eligibility, or cost. Benefits, availability, and rules vary by plan, carrier, and state. Contact Hollen for details on specific plans.