Personal/Family “Individual Marketplace Qualified” Comprehensive Medical Insurance

We’re ready to help with your 2027 health benefits

See our selection of “Marketplace”* Individual and Family Comprehensive Health plans.

Click the button above to get started with your personal/family health plan review and then self-enroll on our private health exchange for medical plan coverage starting January 1, 2027.

The OPEN Enrollment for 2027 Affordable Care Act (ACA) Qualified “Marketplace” health plans started November 1, 2026.

Our private exchange guides you through the process to enroll yourself in one of our selection of “qualified” comprehensive major medical insurance plans for individuals and families.  We also help you see if your household qualifies for a tax subsidy.

Qualified comprehensive Individual and Family Health plans and rates change every year, based on state insurance department filings by insurance carriers offering these health plans in your state.  Premium rates vary greatly depending on the wide range of health care costs charged by providers and state regulations.

NOTE:  SPECIAL Enrollment Periods are available based on life events that occur mid-year, outside the annual OPEN Enrollment period set by the federal and state governments. Look here to get the details on what will qualify you for a SPECIAL enrollment period mid-year.

* Also called “ACA” or Affordable Care Act or Obamacare plans, these plans are only available during governmental enrollment periods.  These health plans are “qualified” to cover pre-existing conditions and preventive care and may include federal premium tax credits and cost-sharing reductions for low-income households that directly lower the monthly consumer cost.  

ACCESS TO 2027 ACA HEALTH PLANS

Federal and state rules limit your access to ACA “qualified” individual/family comprehensive medical insurance plans covering pre-existing conditions.  These health plans are only available for you to enroll during government-authorized periods.

ANNUAL OPEN ENROLLMENT – NOW OPEN FOR 2027 PLANS.  The annual government-prescribed national OPEN Enrollment for everyone runs for a limited time each fall.  The OPEN Enrollment for 2027 ACA health plans re-opened November 1, 2026.

SPECIAL or mid-year enrollments are available based on qualified life events.  If you receive notice of termination of coverage from your current health plan, we recommend you enroll for new coverage without delay in order to ensure continuity of coverage, in other words, no break in coverage.

One such life event is the loss of corporate coverage and becoming eligible for COBRA.  See the “FAQs on the Benefits Program” page for details on life events that qualify for a SEP.

Catastrophic coverage plans may be available if your state has approved them as an alternative to ACA qualified plans.  Catastrophic coverage plans are available to individuals under age 30.  These plans have lower premiums but provide lower coverage (high deductible, consumer pays out of pocket for most routine and preventive care).  Individuals age 30 and over require a hardship or income exemption to enroll for Catastrophic coverage.

PREMIUM TAX SUBSIDIES FOR ACA PLANS

The Patient Protection and Affordable Care Act, referred to as the Affordable Care Act or “ACA” for short, is the health care reform law enacted by Congress in March 2010.

Higher income households are generally EXCLUDED from tax subsidies that the ACA put in place to reduce health plan premiums and cost sharing only for lower income households.

The original law provides lower income households with subsidies (“premium tax credits”) that directly lower the monthly health insurance plan premiums.  For households with incomes between 100% and 400% of the federal poverty level (FPL), the original level of premium subsidies remains available.  Expanded subsidies for some higher income households enacted in 2022 were temporary and expired January 1, 2026.

You may want to estimate your household’s projected 2027 income when enrolling, letting our private health exchange partner eHealth identify if you may qualify for tax credits with your 2027 health plan selection.

Please keep in mind that health insurance is highly regulated by your state and by the federal government.  Availability, selection and unsubsidized premiums of ACA personal and family health plans are subject to government oversight and vary greatly from state to state.

Each year hundreds of health insurers file thousands of these plans with premium rates, county by county, for regulatory approval in the states.  With the help of our health exchange and technology partner eHealth, we identify and show you the plans we believe are the best value in each area through our annual national due diligence process.  Rates are not negotiable on these health plans but may be tax-subsidized based on household income rules set by Congress and States.