01 — ACA Health Insurance
Health coverage for $0 a month, if you qualify.
Millions of Americans may qualify for an ACA marketplace plan with no monthly premium. What you pay depends on income and household size — a quick check tells you where you stand.
Free · No commitment · Takes 2 minutes
- 0
- Americans enrolled
- $0
- Average premium for eligible enrollees
- 0
- Essential benefits included
02 — Coverage
What every marketplace plan includes.
All ACA plans cover the same ten categories of essential health benefits. Specific networks, costs and availability vary by state and plan.
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01
Doctor Visits
Primary care and specialist appointments through your plan's network.
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02
Prescription Drugs
Covered medications listed on your plan's formulary.
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03
Emergency Care
Emergency room and urgent situations, including ambulance services.
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04
Mental Health
Behavioral health, counseling and substance use treatment services.
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05
Preventive Care
Annual wellness visits, screenings and immunizations at no extra cost.
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06
Maternity & Newborn
Care before, during and after birth for parent and baby.
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07
Lab Work
Diagnostic testing and laboratory services ordered by your provider.
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08
No Pre-existing Condition Denials
Marketplace plans cannot refuse you or charge more for your health history.
03 — Process
Three quiet steps, start to finish.
Answer a few questions
Your ZIP code, household size and estimated income. No paperwork and no medical exam — it takes about two minutes.
See plans you may qualify for
Review the options available in your area, along with any subsidy you may be eligible for. Availability varies by state.
Enroll with a licensed agent
If you choose to continue, a licensed insurance agent can walk you through the details and help you complete enrollment.
04 — In their words
People who checked, and found out.
“I assumed coverage was out of reach. The check took a couple of minutes and I ended up with a plan at no monthly cost.”
“The agent explained my options without any pressure. I finally understood what I was signing up for.”
“Between jobs and worried about a gap. I had coverage with my prescriptions included within the week.”
Illustrative testimonial
05 — Why $0 is possible
Federal subsidies under the Affordable Care Act cover part or all of the monthly premium for most marketplace enrollees.
Amounts depend on income, household size and where you live.
06 — Questions
Answers, plainly put.
For many people, yes. Premium tax credits can reduce a marketplace premium to $0 a month. Whether you qualify depends on your income, household size and state, so your own cost may be higher.
Generally, U.S. residents who are not covered by an affordable employer plan and are not enrolled in Medicare or Medicaid may be eligible for a marketplace plan. Subsidy amounts scale with income. Not all applicants will qualify.
No. Careszen is a private advertising and referral service. We are not affiliated with HealthCare.gov, the Centers for Medicare & Medicaid Services, or any federal or state agency.
Every ACA marketplace plan includes the ten essential health benefits — doctor visits, prescriptions, emergency care, mental health, preventive services, maternity care, lab work and more. Networks, deductibles and copays differ between plans.
During Open Enrollment, or at any time of year if you have a qualifying life event such as losing coverage, moving, marriage or a new child. A quick check will tell you which applies to you.
07 — Next step
Care that meets you where you are.
Two minutes now could show you what coverage costs in your state — and whether you qualify for $0 a month.
Free · No commitment · Takes 2 minutes