Marketplace & ACA
Marketplace & ACA Plans
We're certified Marketplace Navigators, contracted with every ACA carrier in the states we're licensed in — here to capture every subsidy dollar you qualify for and manage every detail along the way.
First, an honest filter
If you're in good health and your income is above the subsidy threshold, there's likely no reason to consider a Marketplace plan at all. For most healthy households over that line, our Private & Underwritten Plans cost 30–70% less — start there. The Marketplace shines in two specific situations, below.
Total experts in the Marketplace
- We're contracted with every Marketplace / ACA carrier in the states we're licensed in.
- We're certified Marketplace Navigators — this is our home turf.
- If your income qualifies, we secure your premium tax credit (subsidy) for the lowest possible rate.
- We confirm your doctors and prescriptions are in-network before you enroll — not after.
- We make renewals simple and efficient, every single year.
Who Marketplace plans are best for
- You qualify for a subsidy. A premium tax credit can dramatically lower your monthly cost — and the Marketplace is the only place to claim it.
- You have significant health needs. Marketplace plans can't decline you or rate you up for your health, which makes them the right fit when an underwritten (medically-questioned) plan isn't.
The 400% FPL income threshold
Above roughly 400% of the Federal Poverty Level, subsidies generally phase out — and that's usually the point where a private, underwritten plan starts to win. Here's the line by household size:
See the 400% FPL income limit chart
| Household size | 400% FPL |
|---|---|
| 1 | $62,600 |
| 2 | $84,600 |
| 3 | $106,600 |
| 4 | $128,600 |
| 5 | $150,600 |
| 6 | $172,600 |
| 7 | $194,600 |
| 8 | $216,600 |
| 9 | $238,600 |
| 10 | $260,600 |
Official reference: HealthCare.gov — Federal Poverty Level (FPL)
Already shopping? Browse plans on our HealthSherpa
See real Marketplace plans and pricing for your area through our HealthSherpa — then let us help you read the fine print and lock in every subsidy dollar.
On a group plan? You may be the key to everyone's lower rate
Here's a nuance most brokers miss. If you're enrolled in a small-group plan, one or two higher-need members can keep the entire group from qualifying for the best level-funded or underwritten rates.
When that's the case, we can personally concierge that individual onto a Marketplace plan that's as good or better than the group plan — which often lets the rest of the group unlock substantially lower rates across the board. Everyone wins: the individual keeps excellent coverage, and the business saves across every remaining member.
It's the kind of move that pairs directly with our small-business & group work — and it's exactly the sort of detail worth a quick conversation.
Schedule a Time
Let's find what's right for you
These are just a few of the nuances of the Marketplace — for the best possible guidance on what's right for you, pick a time on the calendar below.