Health Insurance

Select the right health insurance plan and save money on routine doctor visits, preventive care, prescription drugs, hospital stays and more.

Affordable Care Act (ACA)

The Affordable Care Act (ACA), also known as “Obamacare,” is a comprehensive reform law enacted in March 2010 to:

  • Make health insurance more affordable and accessible to Americans
  • Expand the Medicaid program
  • Support innovative medical care delivery methods to lower the overall costs of healthcare.

Whether you’re self-employed, in between jobs or simply looking for better coverage, the ACA plans can provide you with the protection and peace of mind you deserve.

Marketplace Agency & ElderCare Associates, Inc. is an independent health insurance agency dedicated to helping you explore and secure ACA insurance plans that are best suited to your situation.

Reach out to our health insurance agency today, and one of our medical insurance brokers will help you explore your options and enroll in a plan that’s right for you.

Different Types of ACA Plans

ACA plans are categorized into four main types, which vary based on the level of coverage and cost-sharing between the insured and the health insurance agency:

Bronze

Bronze health insurance plans typically have the lowest monthly premiums but the highest out-of-pocket costs when you need care. On average, bronze plans cover 60% of healthcare costs, with the insured responsible for the remaining 40%.

Silver

Medical insurance brokers recommend silver health insurance plans to those who qualify for income-based cost-sharing reductions. Silver plans cover 70% of healthcare expenses, with the insured responsible for 30%.

Gold

Gold health insurance plans have higher premiums than Bronze and Silver but lower out-of-pocket costs. When you choose the Gold plan, the health insurance agency covers 80% of your healthcare costs, while you are responsible for 20%.

Platinum

Platinum health insurance plans can be a great choice for those who need regular medical care. They have the highest monthly premiums, but out-of-pocket costs are significantly lower. Platinum plans cover 90% of healthcare costs, with the insured responsible for only 10%.

Why You Need Health Insurance

Safeguard your well-being and finances.
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Financial Protection Against High Medical Costs

A sudden health crisis can drain your savings. Health insurance keeps you protected by covering a portion of your medical bills, where costs can run into thousands or even hundreds of thousands of dollars.

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Access to Quality Healthcare

Health insurance provides access to a vast network of healthcare providers, ensuring you receive preventive care, routine check-ups and necessary treatments without the financial burden of paying out-of-pocket.

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Peace of Mind

With health insurance, you have one less thing to worry about, knowing you are covered in a medical emergency or unexpected illness. This allows you to focus on your daily life without constantly worrying about the financial impact of a health crisis.

What Our Clients Are Saying

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Why Choose
Marketplace Agency & ElderCare Associates

Get the protection you need at a price you can afford.
Health Insurance
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Personalized Service

As an independent health insurance agency, we pride ourselves on providing personalized, customer-focused service. We take the time to get to know you and your needs so that we can provide you with unbiased advice.

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Expert Guidance

We leverage our nearly half a century of experience in the insurance industry to guide you every step of the way. We’re here to provide expert assistance and ongoing support so you can be confident you’re making an informed decision.

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Nationwide Reach

Our medical insurance brokers are licensed in 30 states and can assist clients nationwide. In the states where we don’t have licensed agents, we’ll connect you with our trusted partners to ensure you receive the same high level of service.

Make Smart Insurance Decisions Today!

Schedule a no-obligation consultation with our independent health insurance agency. We’ll help you understand the benefits of each option and choose a plan that best meets your needs and financial capacity.