How to Shop, Compare & Enroll in ACA Health Insurance

How to Shop, Compare & Enroll in ACA Health Insurance

Getting covered under the Affordable Care Act (ACA) is easier than you might think. Here’s how to do it:

Step 1: Gather Your Info

Before you start, have this ready:

• Your ZIP code
• Household size and income
• Social Security numbers or immigration documents
• Current health coverage info (if any)
• Employer coverage offer (if applicable)

Step 2: Preview Plans & Prices

You can preview plans and estimated costs before applying:

• Visit HealthCare.gov, HealthSherpa or your state’s Marketplace (if applicable)
• Enter your ZIP code, income, and household details
• See available plans, monthly premiums, deductibles, and out-of-pocket costs
• Check if you qualify for premium tax credits or cost-sharing reductions

Tip: Look for Silver plans if you qualify for extra savings.

Step 3: Compare Plans

When comparing plans, consider:

Factor	What to Look For
Monthly Premium	What you pay each month
Deductible	What you pay before insurance kicks in
Copays & Coinsurance	Your share of costs for visits and prescriptions
Provider Network	Are your doctors and hospitals in-network?
Drug Coverage	Are your medications covered?

Step 4: Enroll

You can enroll:

• Online at HealthCare.gov or HealthSherpa
• Your state’s Marketplace (if applicable)
• With help from a licensed agent

Open Enrollment generally runs November 1 to January 15 (verify your state’s enrollment period).

You may qualify for a Special Enrollment Period if you’ve had a major life change (like losing coverage, getting married, or having a baby).