Marketplace Insurance: Affordable Health Coverage for Individuals and Families
What Is Marketplace Insurance?
Marketplace insurance plans are offered through the federal or state-run health insurance exchange. These plans are designed to make health coverage accessible and affordable for people who don’t have employer-based insurance or qualify for Medicaid or Medicare.
Marketplace coverage includes essential health benefits like:
- Doctor visits and preventive care - Emergency services - Hospitalization - Prescription medications - Maternity and newborn care - Mental health services
Who is Eligible?
You may qualify for a Marketplace plan if you:
- Are a U.S. citizen or legal resident - Are not eligible for Medicare or Medicaid - Don’t have access to affordable employer-sponsored insurance
Even if you’re already insured, you may find a more affordable or better-fitting plan through the Marketplace.
Can I get Financial Help?
Yes! Most people who apply through the Marketplace qualify for subsidies that lower their monthly premiums or out-of-pocket costs.
There are two types of financial help:
Premium Tax Credits – Reduce your monthly premium based on income and household size Cost-Sharing Reductions – Lower deductibles, copays, and out-of-pocket maximums (available with Silver plans only)
Lisa can help you estimate your savings and apply for assistance to make sure you’re getting the most value out of your plan.
What Types of Plans Are Available?
Marketplace plans are categorized into four "metal tiers" based on how you and the plan share costs:
Each plan offers the same essential health benefits; the difference is in how costs are split. Lisa will walk you through the options and help you find the plan that fits your needs and budget.
When Can I Enroll?
You can enroll in a Marketplace plan during:
Open Enrollment Period (OEP): Typically from November 1 to January 15 each year. Special Enrollment Period (SEP): You may qualify if you've experienced a life change such as: - Losing health coverage - Getting married or divorced - Having a baby or adopting a child - Moving to a new area Lisa can help determine if you qualify and assist with enrollment.
Lisenced healthcare Agent
Hello, I'm Lisa Kumhala.
My services are always free, and my goal is simple: to help you understand all your options so you can choose the plan that’s truly right for you—without any pressure or confusion.
Need Help? You're Not Alone. Get in Touch With Lisa.
Thank you! Your submission has been received! A licensed agent will reach out to you soon!
Oops! Something went wrong while submitting the form.
A licensed agent will contact you upon submission
Let Me Provide You With The Best Plan Possible.
Why Work with an Independent Healthcare Agent?
Choosing health insurance is a big decision—and it helps to have someone in your corner. As an independent agent, Lisa isn’t tied to any one company or plan. That means she can offer honest, unbiased advice and help you compare multiple options from trusted carriers. Whether you're looking at Medicare or Marketplace coverage, Lisa's only priority is finding the plan that fits you best. She'll guide you through the process step by step, answer all your questions, and make sure you understand your choices.
Best of all? There’s no cost to work with Lisa. Her goal is to make sure you get the right coverage for your health and your wallet.
