ACA · Marketplace · Licensed Health Insurance Agents

Find Affordable
ACA Health Plans
& Maximize Subsidies

Compare ACA Marketplace health insurance plans with a licensed agent. See if you qualify for subsidies that could reduce your premium to $0/month. Free, no obligation.

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Subsidy guidance

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Free ACA Plan Comparison

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A licensed health insurance agent will contact you to find the best plan and subsidies. Free, no commitment.

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Not HealthCare.gov or a Government Agency: EnrollSmartNow is an independent licensed insurance marketing organization NOT affiliated with the federal ACA Marketplace, HealthCare.gov, any state exchange, or any government agency. For official enrollment visit HealthCare.gov or call 1-800-318-2596.

ACA Plan Types

Understanding ACA Metal Tiers

ACA Marketplace plans come in four metal tiers. Each balances monthly premium cost against out-of-pocket expenses differently.

Plan Availability Notice: Plan options vary by state and county. All plans must cover the 10 Essential Health Benefits. A licensed agent can show you exact plans and prices for your ZIP code. Not all plans shown may be available in your area.

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Bronze

Lowest premium, highest out-of-pocket

Insurer pays approx.60%

You pay approx.40%

Monthly premiumLowest

DeductibleHighest

Best for healthy individuals who rarely use medical care and want the lowest monthly cost with catastrophic protection.

Compare Bronze →

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Silver

Middle ground — CSR subsidy eligible

Insurer pays approx.70%

You pay approx.30%

Monthly premiumModerate

DeductibleModerate

The ONLY tier eligible for Cost-Sharing Reductions (CSR). If you qualify for CSR subsidies, Silver often provides the best overall value.

Compare Silver →

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Gold

Higher premium, lower costs when you use care

Insurer pays approx.80%

You pay approx.20%

Monthly premiumHigher

DeductibleLower

Good for people who use healthcare regularly. Higher monthly premium trades for lower deductibles and copays when you need care.

Compare Gold →

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Platinum

Highest premium, lowest out-of-pocket

Insurer pays approx.90%

You pay approx.10%

Monthly premiumHighest

DeductibleLowest

Best for people with significant ongoing healthcare needs who want predictable, minimal out-of-pocket costs.

Compare Platinum →

Enrollment Windows

ACA Enrollment Periods

ACA plans have strict enrollment windows. Outside these windows, you can only enroll with a qualifying life event.

OEP

Open Enrollment Period

📅 November 1 – January 15 (most states)

The primary annual window when anyone can enroll in or switch ACA Marketplace plans. Coverage can start January 1 if enrolled by December 15.

State exchanges may have different dates. Confirm with a licensed agent.

SEP

Special Enrollment Period

📅 Triggered by qualifying life events

Losing job-based coverage, marriage, divorce, birth/adoption, or moving to a new ZIP triggers a 60-day SEP. Eligibility must be documented and verified.

SEP eligibility must be verified. Unauthorized SEP enrollment is fraudulent and may have tax consequences.

Medicaid / CHIP

Medicaid & CHIP

📅 Open year-round

If your income qualifies for Medicaid (expansion states) or CHIP for children, you can apply any time. Eligibility varies by state.

Not all states expanded Medicaid. A licensed agent can confirm state-specific eligibility.

SEP Fraud Warning (CMS): CMS has cracked down on agents who enroll consumers without valid SEP documentation. Never allow enrollment during an SEP without confirming your qualifying event. If you were enrolled without consent, contact HealthCare.gov immediately.

Why Use a Licensed Agent

How We Help You Find the Right Plan

You can enroll directly at HealthCare.gov — but a licensed agent helps you navigate options, maximize subsidies, and avoid costly mistakes.

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Maximize Your Subsidy

An agent runs full APTC and CSR eligibility analysis based on your exact income, household, and state — ensuring you get the maximum savings available.

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Doctor & Hospital Networks

We verify that your doctors, specialists, and hospitals are in-network before you enroll — preventing surprise out-of-network bills.

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Prescription Drug Coverage

We check each plan's formulary to confirm your medications are covered at the tier level you need before recommending any plan.

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SEP Verification

If you need coverage outside OEP, a licensed agent confirms your qualifying event before proceeding — protecting you from unauthorized enrollment risk.

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No Cost to You

Using a licensed agent to enroll in an ACA plan does NOT increase your premium. Agents are compensated by insurance carriers, not consumers.

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Annual Plan Review

Plans and drug formularies change yearly. We review your coverage each OEP to ensure your plan still fits your needs and subsidy.

Your Right to Enroll Directly: You always have the right to enroll directly at HealthCare.gov or your state exchange without using a licensed agent. Using our service is entirely optional and does not increase your premium.

Ready to Compare ACA Health Plans?

A licensed health insurance agent is ready to help — free, no obligation.

Get My Free Quote →📞 Call (913) 942-0957

Find AffordableACA Health Plans& Maximize Subsidies