ACA Marketplace health plans
Health coverage that fits your life.
Compare Marketplace plans in your area, see if you qualify for savings, and enroll securely through HealthSherpa.
How it works
From your ZIP code to your plan in three steps.
Get a quote
Answer a few questions: your ZIP code, who needs coverage, their ages, your household income and tobacco use.
Compare plans
See the plans available in your county with estimated monthly premiums before and after savings, deductibles and out-of-pocket maximums. Filter and sort them your way.
Enroll on HealthSherpa
Choose a plan and continue to HealthSherpa's secure site to finish your Marketplace application. Nothing is submitted until you review and confirm it.
Why AP Insurance
Clear numbers, real help, and no pressure.
Compare side by side
See the Marketplace plans in your county with the figures that matter: monthly premium, deductible and out-of-pocket maximum.
See your savings estimate
Find out if you may qualify for premium tax credits that lower your monthly premium. The Marketplace confirms the final amount.
A licensed agent when you want one
Leave your number after choosing a plan and a licensed agent will reach out to answer your questions.
Enroll securely
You finish on HealthSherpa's secure site, with your answers already filled in.
FAQ
Questions people ask before they enroll.
When can I enroll?
On HealthCare.gov, Open Enrollment for 2027 coverage runs from November 1, 2026, to January 15, 2027. Enroll by December 15 for coverage that starts January 1. If you enroll from December 16 to January 15, coverage starts February 1. States that run their own Marketplace can set different dates.
Outside Open Enrollment, you can enroll if you have a qualifying life event, such as losing coverage, moving, getting married, or having or adopting a baby, usually within 60 days of the event. See the official dates.
What is a premium tax credit, and do I qualify?
A premium tax credit lowers what you pay each month for a Marketplace plan. For 2027, households with income between 100% and 400% of the federal poverty level may qualify. The extra help that removed the 400% limit ended after 2025. Starting January 1, 2027, only people with certain immigration statuses qualify for savings.
Our quote shows an estimate. The Marketplace determines the amount when you apply. If your income or household changes during the year, report it to the Marketplace right away: if you receive more credit than you qualify for, you pay back the difference when you file your federal taxes.
What information do I need to apply?
Have this ready for everyone in your household:
- Social Security numbers, even for people not applying for coverage
- Home and mailing addresses
- Immigration document information, if it applies
- How you file your taxes
- Employer and income information, such as pay stubs or W-2s, and your best estimate of household income
- Policy numbers for any current health coverage
- Details about any job-based coverage or HRA offered to anyone in the household
HealthCare.gov has a full checklist.
Are the prices on this site final?
No. Prices are estimates based on your answers. The Marketplace determines your final premium and any savings when you apply. You review everything on HealthSherpa before you submit.
Is this the Health Insurance Marketplace?
No. This website is operated by AP Insurance and is not the Health Insurance Marketplace® website. You can also see every plan at HealthCare.gov.
About and contact
A licensed agent on your side.
AP Insurance is an independent insurance agency. Our licensed agent, Alexander Perez, helps individuals and families choose ACA Marketplace health plans in AL, AZ, FL, GA, IL, IA, IN, KS, LA, MI, MS, MO, NE, NC, OH, OK, SC, TN, TX, UT.
- Phone
- (786) 545-2931
