Affordable Care Act (ACA) Plans
What is ACA
The Affordable Care Act (ACA), also known as the Health Insurance Marketplace, provides affordable health coverage for individuals and families, especially those under 65 who don’t yet qualify for Medicare. These plans are designed to offer comprehensive benefits and protect you from high out-of-pocket costs.
Our Carriers
North Carolina
Cigna
AmBetter
Oscar
United Healthcare
South Carolina
AmBetter
Molina
Cigna
How ACA Differs from Medicare?
ACA plans are designed for:
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Adults under 65
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Families without access to employer coverage
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Individuals in transition (e.g., between jobs or retiring early)
If you’re 65 or older, Medicare is typically the better option. But for younger adults—including early retirees or those with limited income—the ACA provides valuable access to care.
Eligibility & Financial Help
You may qualify for an ACA plan if:
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You’re a U.S. citizen or legal resident
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You don't have access to affordable coverage through your employer or government programs