Understand What ACA Health Coverage May Cost You
Prime Health ACA connects you with licensed health insurance agents who can explain premiums, deductibles, and the tax credits that may lower what you pay each month.
Answer a few questions to see what may apply to you
Where Your ACA Costs Come From
Monthly Premium
The amount you pay each month to keep coverage, before any financial help is applied.
Deductibles and Copays
What you may pay when you use care, and the out-of-pocket maximum that caps covered in-network costs for the year.
Premium Tax Credits
Help that may lower your monthly premium based on your household size and estimated income.
How We Help You Understand Costs
Share Your Household Details
Tell us your household size and ZIP code through a short form.
Get Connected
We connect you with a licensed health insurance agent in our network.
See What Drives Your Cost
The agent explains the premium, deductible, and tax credit factors that may apply to you. No obligation.
What You Should Know
How Tax Credits Work
Premium tax credits are based on your estimated yearly income and household size, and are reconciled on your tax return. Report income changes to your Marketplace. Rules and thresholds change from year to year, so confirm current details on HealthCare.gov.
Retiring Before 65?
Many people who stop working in their 50s or early 60s look at Marketplace coverage until they become eligible for Medicare. Premiums can be higher for older adults, within federal limits, so it helps to compare early.
Free Resources
You can enroll directly through HealthCare.gov at no cost, or call 1-800-318-2596 (TTY 1-855-889-4325). Our licensed agent partners provide an alternative path with personalized guidance, also at no cost to you.
Frequently Asked Questions About ACA Coverage
Is Prime Health ACA the official Health Insurance Marketplace?
No. Prime Health ACA is an independent advertising and marketing service. It is not the Marketplace, is not affiliated with or endorsed by the U.S. government, CMS, or HealthCare.gov, and is not an insurance company, broker, or licensed agent. Enrollment can also be done for free at HealthCare.gov or at 1-800-318-2596 (TTY 1-855-889-4325).
What is the Affordable Care Act (ACA) Marketplace?
The Marketplace is where individuals and families can shop for health insurance plans that meet ACA standards, including coverage for pre-existing conditions and essential health benefits such as hospital care, prescriptions, and preventive services.
What are premiums, deductibles, and out-of-pocket maximums?
The premium is what you pay each month to keep coverage. The deductible is what you pay for covered care before the plan starts sharing costs, and the out-of-pocket maximum is the most you would pay for covered in-network care in a plan year. A licensed agent can explain how these apply to specific plans.
What could qualify me for a Special Enrollment Period?
Common qualifying life events include losing job-based or other coverage, moving to a new ZIP code or county, getting married or divorced, having or adopting a child, and certain changes in income or immigration status. Each event has its own rules and a limited enrollment window.
What information should I have ready when I talk to an agent?
It helps to know your household size, an estimate of your household income for the coming year, the ZIP code you live in, and which doctors and prescriptions matter most to you. You are never required to share more than you are comfortable with.
Does Prime Health ACA charge a fee?
No. Submitting the form and speaking with a licensed agent partner is free and carries no obligation to enroll. Prime Health ACA may receive compensation from its agent and broker partners for referrals.
What will happen after I submit my information?
A licensed health insurance agent or broker in our partner network may contact you by phone, text, or email to review the options available where you live. Consent to be contacted is not a condition of purchase, and you can opt out at any time.
About Prime Health ACA
Prime Health ACA is an independent advertising and marketing service. It connects people with licensed agents who can explain ACA premiums, deductibles, and premium tax credits. It is not an insurance company and is not affiliated with HealthCare.gov or any government agency.