Affordable Care Act (ACA) Health Insurance — Find Your Fit

Understand ACA Metal Tiers

ACA plans come in four coverage levels — called metal tiers — that balance monthly premium costs and out-of-pocket expenses:

• Bronze: Lower monthly premiums, higher costs when you get care — best for those who don’t expect many medical visits.
  
• Silver: Moderate premiums and costs — eligible for extra savings if you qualify.
  
• Gold: Higher monthly premiums, lower costs when you get care — good for those who want more predictable costs.
  
• Platinum: Highest premiums, lowest out-of-pocket costs — ideal for those needing frequent care.
  

Lower Your Costs with ACA Subsidies

Depending on your income, you may qualify for:

• Premium Tax Credits: Reduce your monthly premium costs.
  
• Cost Sharing Reductions: Lower your deductibles and copays if you choose a Silver plan.
  
  

Many Arizona residents are surprised to learn how affordable these plans can become after subsidies. I will help you calculate your eligibility and ensure you don’t leave savings on the table.

When Can You Enroll in an ACA Plan?

• Open Enrollment: Runs from November 1 to January 15 each year.
  
• Special Enrollment: Available if you've had a qualifying life event (job loss, marriage, moving, etc.).
  

Get Personalized Help with ACA Enrollment

Choosing the right ACA plan can feel overwhelming, but you don’t have to do it alone. I provide free, personalized help with:

• Comparing plan options side by side
  
• Checking your doctors and prescriptions
  
• Finding plans with the best value for your budget
  
• Enrolling confidently through the Marketplace
  
  

My guidance costs you nothing extra — and ensures you’re covered correctly from the start.