Quality health coverage, often $0 a month
The ACA Marketplace offers real health insurance with subsidies that can dramatically lower or even eliminate your premium. We'll find out what you qualify for and handle the rest, at no cost to you.
Affordable plans, as low as $0 for those who qualify
This isn’t a sales pitch, it’s our actual book of business. Here’s what our clients really pay for ACA coverage.
- $0
- Monthly premium for 37% of our ACA members
- 50%
- Pay less than $10 a month
- $74.40
- Average monthly premium
- 60,313
- ACA policies placed and counting
Figures reflect Insurance Masters’ active ACA policies. Your premium depends on income, household size, and location, most clients qualify for a premium tax credit that lowers what they pay.
Most people qualify for savings, including you
If you buy your own insurance, there's a good chance you're leaving money on the table. ACA subsidies aren't just for low incomes, middle-class families qualify too.
- You don't have affordable coverage through an employer
- You're self-employed, a freelancer, or between jobs
- You had a life change: moved, married, had a baby, or lost coverage
- You want to compare your current plan against better options
The subsidy, simply put
The government pays part, sometimes all, of your monthly premium through a premium tax credit. The lower your income relative to your household size, the larger the credit. We calculate it for you in minutes.
$0
possible monthly premium
10
essential benefits, always included
Every ACA plan includes the essentials
By law, Marketplace plans must cover ten essential health benefits, so you're never buying bare-bones coverage.
From questions to covered in three steps
We check your subsidy
Based on your household size and income, we calculate the premium tax credit you're eligible for, often enough to cover your whole premium.
We compare real plans
You'll see plans from the top carriers side by side, premiums, deductibles, and whether your doctors and prescriptions are covered.
We enroll you
We handle the Marketplace paperwork and confirm your start date. You're covered, and we stay on call all year.
What people ask us about the Marketplace
Many people do. The Affordable Care Act offers premium tax credits based on your income and household size, and for a large share of applicants those credits cover the entire premium of a benchmark plan. We'll tell you exactly what you qualify for, no guessing.
Open Enrollment runs each fall. But if you've had a qualifying life event like losing coverage, moving, marriage, or a new baby, you likely qualify for a Special Enrollment Period and can sign up now. We'll confirm your window.
That depends on the plan's network and formulary, which is exactly what we check before you enroll. Tell us your doctors and prescriptions and we'll match you to plans that keep them in-network.
Nothing. We're paid by the insurance carriers, so our guidance is always free to you, and because we're independent, we're not tied to any single company's plans.
Find out what you qualify for
A five-minute conversation is all it takes to see your real options and savings. Free, and no obligation.