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ACA individual & family plan basics

On the Marketplace or off: What’s right for you?

 

On-Marketplace plan

 

You can choose to buy this type of plan using the help of a broker, through companies with direct enrollment sites (like us), or on the Health Insurance Marketplace® (aka “exchange”). This is where individuals and families can compare and shop for health plans. It is run by either the federal or state government depending on where you live.

 

Great choice if:

You qualify for premium discounts or extra savings on your out-of-pocket costs based on your household income.

 
 

Off-Marketplace plan

 

You can buy this type of plan directly through a broker or health insurance company (like us) outside of the official Marketplace (aka “off exchange”). These plans don’t offer premium discounts or extra savings. But you may find additional plan choices.

 

Great choice if:

You make too much money to qualify for financial help. (Tip: Many people think they won’t qualify, but actually do!)

A guide to plan levels and costs

Every ACA plan is assigned a metal tier: Platinum, Gold, Silver or Bronze. Metal tiers have nothing to do with the quality of care you receive. They determine how you and your plan split costs.

Every ACA plan covers 10 essential benefits

 
  • Prescription drugs
  • Pregnancy, maternity and newborn care
  • Pediatric services, including oral and vision care
  • Mental health and substance use disorder services
  • Preventive and wellness services, and chronic disease management
  • Laboratory services
  • Emergency services
  • Hospitalization
  • Ambulatory services
  • Rehabilitative and habilitative services and devices
 

Check out our plans – there may be one for you!

 

Had a big life change? You can still get coverage for 2022. Or looking for 2023 plans? We may be in your area.

 

Great news — we’ve got plans for you

 

Visit our simple shopping site to get coverage for 2022 and see if you qualify for financial help.

 

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

 

We’re not in your area … yet

We’ve got plans to bring our ACA individual & family plans to more areas. For now, we want to make sure you’re covered.

 

Had a big life change? You can still get coverage for 2022. Visit the Health Insurance Marketplace® to shop for plans and see if you qualify for financial help.

 

Remember to visit the Marketplace on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on HealthCare.gov

 
 

Great news — we’ve got plans for you through our relationship with [JV_Partner]

 

That means you can sign up for ACA individual coverage through [JV_Partner]. Visit their website to check out plan features, shop 2022 plans and see if you qualify for financial help.

 

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Shop [JV_Partner] plans

 

For Clark, Nye and Washoe counties:

 

To start your shopping experience for Aetna CVS Health plans, you can visit the Nevada Health Link.

 

Rather get help by phone to choose a plan – or just have questions? We're here to help. Call us at 1-844-383-6126 (TTY: 711) Monday to Friday 8 AM to 8 PM ET.

 

For all other Nevada counties:

 

We’ve got plans to bring our ACA individual & family plans to more areas. For now, we want to make sure you’re covered.

 

Had a big life change? You can still get coverage for 2022. Visit the Health Insurance Marketplace® to shop for plans and see if you qualify for financial help.

 

Remember to visit the Marketplace on November 1 during Open Enrollment to choose your 2023 plan.

 

Find a plan on HealthCare.gov

 

Great news — we’ve got plans for you

 

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

 

Get your questions answered fast

 

Talk with a licensed agent

 

Our trained agents are ready to help you choose the right plan for your needs.

 

1-844-383-6129 (TTY: 711)

Call Monday — Friday, 8 AM to 8 PM ET.

 

Sign up for updates

 

We’ll alert you to new information, plan availability, financial help options and more.

All fields marked with an asterisk (*) are required.

 

*You can find select Platinum plans in California only. In another state? Check out the great features of our Gold, Silver and Bronze plans during Open Enrollment.

Legal notices

Health plans are offered or underwritten or administered by Aetna Health of California Inc., Coventry Health Plan of Florida, Inc., Aetna Health Inc. (Florida), Aetna Health Inc. (Georgia), Aetna Life Insurance Company, Aetna Health of Utah Inc., Aetna Health Inc. (Pennsylvania), or Aetna Health Inc. (Texas) (Aetna). Aetna is part of the CVS Health family of companies.

Health benefits and health insurance plans contain exclusions and limitations.