The Health Insurance Marketplace (also known as the ACA exchange) offers individual and family health plans with potential premium subsidies based on income. Understanding plan tiers, costs, and subsidies can help you find affordable coverage during Open Enrollment.
Health Insurance Marketplace Plans Cost
$350 - $700/mo before subsidiesUpdated March 2026
Frequently Asked Questions
How much do marketplace plans cost?
Before subsidies, marketplace plans average $350-$700/month for individuals. After premium tax credits, many enrollees pay $50-$200/month. Subsidies are available for households earning up to 400% of the federal poverty level.
What is the difference between Bronze, Silver, Gold, and Platinum plans?
Bronze plans have the lowest premiums but highest out-of-pocket costs (40% coinsurance). Silver plans offer moderate premiums/costs (30%). Gold plans have higher premiums but lower costs (20%). Platinum plans have highest premiums but lowest costs (10%).
Who qualifies for marketplace subsidies?
Premium tax credits are available to individuals/families earning 100-400% of the federal poverty level who are not eligible for employer coverage or Medicaid. For 2026, that means individuals earning up to approximately $58,000 and families of 4 earning up to $120,000.
When is Open Enrollment for marketplace plans?
Open Enrollment typically runs November 1 through January 15. Outside of Open Enrollment, you can only enroll if you qualify for a Special Enrollment Period (job loss, marriage, birth of child, moving, losing other coverage).
Is marketplace insurance the same as Obamacare?
Yes. Marketplace insurance, ACA insurance, and Obamacare all refer to the same thing — health plans available through Healthcare.gov or state exchanges under the Affordable Care Act. All plans cover essential health benefits and cannot deny coverage for pre-existing conditions.