Health Insurance

Depending on where you live there are several options to shop for a qualified health plan coverage — also known as Affordable Care Act or Marketplace Health Insurance.

We made it easy to shop for ACA health insurance conveniently online.

Use our free quoting tools to find your plan or get assistance from a licensed agent at no additional charge!

ACA Health Insurance

There are several ways to shop for ACA health insurance. You can visit Healthcare.gov, your state marketplace or get free help from a broker.

Whatever you choose, marketplace plans and prices are regulated in each state so your options and costs will be the same.

Also, depending on your income and household size you may qualify for a tax credit or subsidy to lower your costs!

Residents of Maryland, Pennsylvania or Virginia keep scrolling for links to your state marketplace and how to get started.

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Maryland Health Insurance Broker

We are a Maryland Health Connection Certified Health Insurance Broker licensed to assist with ACA health plans:

• Aetna
• CareFirst
• Kaiser Permamente
• UnitedHealthcare

Maryland Health Connection

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Pennsylvania Health Insurance Broker

We are a Pennie Certified Health Insurance Broker licensed to assist with Pennsylvania ACA health plans:

• Ambetter
• Capital Blue Cross
• Cigna
• Highmark
• Independence Blue Cross
• Jefferson Health
• Oscar

Pennie

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Virginia Health Insurance Broker

We are a Virginia Certified Health Insurance Broker licensed to assist with Virginia ACA health plans:

• Aetna
• Anthem
• Cigna
• Innovation Health
• Kaiser Permamente
• Oscar
• Sentara
• UnitedHealthcare

Virginia’s Insurance Marketplace

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How to Choose the Best Health Insurance

The words “cheap” and “health” don’t go well together. Health insurance isn’t perfect, but there are ways to navigate the system, lower your costs, and get the best plan that fits your needs.

All Marketplace plans have 10 essential health benefits, but you should also look for additional perks, telehealth, financial strength, and reputation.

Compare deductibles, coinsurance, and out-of-pocket maximums.

If you have a $5,000 deductible and a Bronze plan with 60/40 coinsurance are you financially prepared for an emergency?

Do you have money saved for a rainy day? Should you purchase supplemental health insurance?

Agents and brokers can assist with these questions and more absolutely free!

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Best Health Insurance 2024

Many factors go into choosing the leading health insurance company. According to the American Medical Association, these are the top health insurance companies based on nationwide market share:

1. UnitedHealthcare
2. Humana
3. Aetna (CVS)
4. Kaiser Permamente
5. Anthem (Elevance)

And top ACA marketplace insurance companies based on market share:

1. Ambetter (Centene)
2. Blue Cross Blue Shield Florida
3. Kaiser Permamente
4. Oscar Health
5. Anthem

Financial strength and ratings are important when choosing the best health insurance company. A strong financial rating indicates good management and the ability to pay claims:

From A. M. Best:

1. Cigna
2. UnitedHealthcare
3. Aetna
4. Anthem
5. Humana

And while the sentiment of healthcare has its ups & downs, this survey from J.D. Power ranks the best health insurance companies by customer satisfaction regionally in MD, PA, VA

1. Kaiser Permamente
2. UnitedHealthcare
3. Geisinger Health
4. Aetna
5. Highmark

Start A Quote >>

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How ACA Metal Levels Work

Bronze – Lower monthly premium than silver or gold, but you pay more out of pocket when you use medical care. Typically has the highest deductibles.

Silver – Moderate monthly premium. Compared to bronze, you usually pay less out of pocket when you use medical care. (to qualify for additional cost savings choose a Silver plan)

Gold – Moderate to high monthly premium. Compared to bronze and silver, the plans pay more of your medical costs and you pay less out of pocket when you use medical care. Lower deductibles.

Platinum – Highest monthly premium among the tiers. Offers the most comprehensive coverage with the lowest out-of-pocket costs when you use medical care. Typically has the lowest deductibles, making it the most expensive but providing the highest level of coverage.

ACA Health Plans are designed for individuals & families, self-employed professionals, and independent workers to get affordable healthcare with tax savings and discounts.