Take a look at the Market (Healthcare.gov)

Created with the Affordable Care Act (ACA), the Healthcare.gov market provides a centralized starting point for the purchase of health insurance plans that comply with the ACA.

You will also find short-term health insurance options for your area, but some states use their own market to list options and for residents to get coverage.

Depending on the income and the choice of plan, cost-sharing insurance and premium insurance may be offered for market plans.

As your income increases, the cost-sharing provisions are phased out, leaving only the premium payment, which then disappears at a higher income level. The ACA Marketplace offers a list of the required coverage, which includes:

  • Prescription drugs
  • Emergency services
  • Preventive and welfare services
  • Hospitalization
  • Attention to pregnancy, maternity, and newborns

Several other related coverages are included, but most plans do not include dental care or eye care for adults. However, dependent children have coverage for dental and vision care.

If you choose a Marketplace plan and need a vision or dental care, consider using a discounted dental plan or vision plan.

The market plans are arranged by metal groups. Bronze level plans have the lowest premiums but also the largest expenses.

Starting with the Silver Plans, you may be eligible for the cost-sharing and premium subsidies that reduce the overall costs of your health insurance through a tax credit.

Gold and Platinum plans generally offer higher levels of coverage and lower rates in exchange for higher premiums than the Bronze and Silver plans.

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