ACA-Marketplace Plans

Affordable Care Act (ACA) Marketplace Plans

Find Affordable Health Insurance with Insured Solutions Group

Health coverage is essential, and finding the right plan shouldn’t be complicated. Insured Solutions Group makes it easy to explore Affordable Care Act (ACA) Marketplace insurance options designed to fit your needs and budget.

What is the ACA Marketplace?

The Affordable Care Act (ACA) was created to expand access to quality, affordable healthcare. Through the Marketplace, individuals and families can find health plans that cover:

• ✔ Preventive care
• ✔ Doctor visits and hospital stays
• ✔ Prescription medications
• ✔ Mental health services
• ✔ Emergency care
• ✔ Some plans also include dental and vision coverage

Many enrollees qualify for subsidies to lower monthly costs, and 9 out of 10 people receive financial assistance.

Do I Qualify?

Understanding ACA Eligibility with Insured Solutions Group

The ACA ensures that more Americans can access affordable health insurance. But how do you know if you qualify? Here’s what you need to know.

Who Can Enroll in an ACA Plan?

You’re eligible for ACA Marketplace coverage if you:

• ✔ Live in the United States
• ✔ Are a U.S. citizen or legally residing non-citizen
• ✔ Are not currently incarcerated

💡No one can be denied coverage or charged more due to pre-existing conditions, thanks to ACA protections!

What Determines the Type of Plan I Qualify For?

Several factors impact your eligibility and potential cost savings:

• Income: The ACA provides premium tax credits based on modified adjusted gross income (MAGI) between 100% and 400% of the federal poverty level (FPL). In 2024, individuals earning between $15,060 and $60,240 and families of four earning between $30,000 and $120,000 may qualify for subsidies.
• Household Size: The larger your household, the higher the income limit for financial assistance.
• Geographic Location: Plan availability, pricing, and subsidy amounts can vary by state and county.

Enhanced Subsidies & the Elimination of the “Subsidy Cliff”:
Through 2025, the ACA ensures you won’t pay more than 8.5% of your household income for a benchmark Silver plan, thanks to enhanced subsidies and the elimination of the “subsidy cliff.”

• Enhanced Subsidies: The American Rescue Plan (ARP) and Inflation Reduction Act (IRA) have made health insurance more affordable, ensuring that you won’t pay more than 8.5% of your income for a benchmark Silver plan.
• Elimination of the “Subsidy Cliff”: Previously, if your income exceeded 400% of the Federal Poverty Level (FPL), you weren’t eligible for subsidies. Now, thanks to the ARP and IRA, subsidies are available to a wider range of people.
• How it Works: The premium tax credit caps your contribution to the benchmark Silver plan at 8.5% of your household income.
• Who Benefits: This applies to anyone purchasing health insurance through the ACA Marketplace.

💡Important Note:If your income or household situation changes, report these changes to the Marketplace to ensure you receive the correct subsidy amount.

Which ACA Plan is Right for You?

ACA Marketplace plans come in four coverage levels:

🟤 Bronze Plans – Lowest Monthly Cost

• Best for: Healthy individuals who need basic coverage
• Lower premiums, higher deductibles
• Great for preventive care and major medical emergencies

⚪ Silver Plans – Balanced Coverage

• Best for: Individuals and families seeking lower out-of-pocket costs
• Moderate premiums, lower deductibles
• Required for cost-sharing reductions if you qualify

🟡 Gold Plans – Comprehensive Coverage

• Best for: Those with ongoing healthcare needs
• Higher premiums, lowest deductibles
• Predictable costs for frequent doctor visits and prescriptions

🔵 Platinum Plans – Maximum Coverage

• Best for: Those who need frequent medical care
• Highest monthly premium, lowest out-of-pocket costs
• Nearly all healthcare expenses covered

💡Not sure which plan is right for you? Our agents at Insured Solutions Group can help you choose the best coverage based on your budget and healthcare needs.

After You Enroll: Navigating ACA with Insured Solutions Group

Once you’ve successfully enrolled in an ACA plan, the journey doesn’t stop there. Here’s what you can expect after enrollment and how Insured Solutions Group can continue to help.

What Happens After Enrollment?

After enrolling, you’ll receive a packet in the mail that includes:

✔ Your new insurance card
✔ Plan details and benefits summary
✔ Instructions on how to use your coverage

You can start using your plan for medical needs, such as doctor visits, prescriptions, and emergency care.

💡Important: If you experience a life change—such as moving, getting married, having a baby, or a change in income—you should update your application immediately. These changes can impact your coverage options and potential savings.

If you’re eligible for Medicaid or CHIP, your state will contact you with enrollment instructions.

Common Coverage Questions

What If My Insurance Denies a Claim?

• If your health insurance company doesn’t cover a service or provider, you have the right to appeal their decision and request an independent review. We can help guide you through the process!

How Do I Get My Prescriptions Covered?

• Your Marketplace plan covers a list of prescription medications. You can check coverage details through your insurer’s website or your Summary of Benefits and Coverage.
• If your medication is no longer covered, you may be eligible for a one-time refill under your plan’s transition policy.
• If your insurer denies your request for coverage, you can request a drug exceptions process to get access to necessary medications.

💡Need help navigating prescription coverage? Contact ISG for assistance!

How Do I Find a Doctor in My Plan’s Network?

Most health plans offer lower costs when you visit an in-network provider. To check if your doctor is covered:

• Visit your insurer’s website and search their provider directory
• Call your doctor’s office and ask if they accept your new plan

💡If your preferred doctor isn’t in your network, you have the right to appeal the decision.

Why Choose Insured Solutions Group?

Insured Solutions Group is dedicated to simplifying the health insurance process. We provide:

✅ A wide range of ACA Marketplace plans
✅ Expert guidance to compare coverage options
✅ Eligibility assessments for income-based subsidies
✅ Step-by-step enrollment assistance
✅ Ongoing support even after you enroll

We make it easy to find affordable coverage that fits your lifestyle.

How to Enroll in an ACA Marketplace Plan

Getting started is easy!

1. Schedule a Free Consultation – We’ll discuss your healthcare needs.
2. Compare Plans & Costs – Our experts will help you review Bronze, Silver, Gold, and Platinum plan options.
3. Check for Subsidies – We’ll determine if you qualify for financial assistance.
4. Enroll with Confidence – We handle the paperwork to ensure everything is processed correctly.
5. Enjoy Continuous Support – Need help after enrolling? We’re here for you year-round.

🔍 Find Your Plan Today! Click below to explore plans in your area:

👉 Shop ACA Marketplace Plans Now

Have Questions? We’re Here to Help!

📞 Call us: (228) 471-0050
📧 Email us: [email protected]
📍 Visit us: www.insuredsolutionsgroup.com

At Insured Solutions Group, we believe everyone deserves access to quality healthcare. Let us help you find the right plan today!