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✚ ACA Marketplace · Under 65 · Free Help

Health insurance for people who work for themselves.

Subsidies can lower your premium — some qualify for $0/month plans!

Plans for $0/month are subject to income, household size, and subsidy eligibility guidelines.

Gig workers, freelancers, 1099 contractors, self-employed, between jobs — if your work doesn't come with benefits, CJ will find you a real ACA plan that fits your budget. Enrollment help is always free.

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Sound like you?

Built for the way you work

No employer benefits? No problem. These are the people CJ helps get covered every single day:

🛠️Self-Employed & Freelancers

Entrepreneurs, gig workers, independent contractors, and small business owners without an HR department to negotiate a group plan.

🚗Part-Time & Hourly Workers

Your employer doesn't offer health benefits — or has fewer than 50 full-time employees, so they're not required to.

📦Between Jobs

Transitioning careers or facing a COBRA offer that costs way too much? A Marketplace plan is usually far cheaper.

🌴Early Retirees

Left the workforce before 65 and not yet eligible for Medicare? The Marketplace bridges that gap.

🎂Young Adults 19–25

You can stay on a parent's plan until 26 — or get your own affordable plan when that's not an option.

❤️‍🩹Pre-Existing Conditions

Prior illness, chronic conditions, or pregnancy? ACA plans must cover you at standard rates — no lockouts, no surcharges.

✅ Can you buy a Marketplace plan? Just 3 requirements:

  1. Live legally in the United States — citizen, national, or lawfully present immigrant.
  2. Not currently incarcerated.
  3. Not enrolled in or eligible for Medicaid, Medicare, or an affordable employer-sponsored plan.

Check all three boxes? You can enroll. Not sure about #3? That's exactly what CJ figures out for you — get in touch.

Why go Marketplace?

What an ACA plan guarantees you — by law

Cheap off-market and "short-term" plans don't have to offer any of this. Every ACA Marketplace plan does:

🛡️

Protected by Law

  • Pre-existing conditions covered. You can't be denied, charged more, or have treatment excluded for conditions you already have — diabetes, cancer, pregnancy, anything.
  • No annual or lifetime caps. Insurers can't put a dollar limit on how much they'll spend on your essential care — ever.
  • Kids covered to 26. Your children can stay on your plan until they turn 26, even if they're married or living on their own.
🏥

Real, Full Coverage

  • $0 preventive care. In-network checkups, immunizations, screenings like mammograms and colonoscopies, and wellness visits at no out-of-pocket cost.
  • ER & hospital stays. Emergency visits, transport, surgeries, and overnight stays are covered.
  • Prescriptions, mental health & maternity. Drug coverage in every therapeutic category, mental health treated equal to physical health, and full pregnancy care — even if you're pregnant when you apply.
  • Labs, X-rays & rehab built right in.
💸

Built-In Savings

  • Premium tax credits. Based on your income, the government may pay part of your premium directly to the insurer. Plans for $0/month are subject to income, household size, and subsidy eligibility guidelines.
  • Cost Sharing Reductions. Qualify with a Silver plan and your deductible, copays, and max out-of-pocket shrink dramatically.
  • A legal cap on your costs. Once you hit your yearly out-of-pocket maximum, the insurer pays 100% of covered in-network care for the rest of the year.

One hospital stay without coverage can cost more than years of premiums. Don't risk it. ✚

Pick your level

The four metal tiers, at a glance

Metal tiers describe how you and the plan split costs — not the quality of your care. The percentage is roughly how much of your medical costs the plan pays on average.

🥉
Bronze
~60%
Lowest monthly premium, highest deductible. Good if you rarely see a doctor and want catastrophic protection.
🥈
Silver
~70%
The balanced choice — and the only tier eligible for Cost Sharing Reductions if your income qualifies.
🥇
Gold
~80%
Higher premium, lower out-of-pocket costs. Good if you use regular care or prescriptions.
💎
Platinum
~90%
Highest premium, lowest costs when you get care. Best for frequent medical needs.

Insider tip!  With Cost Sharing Reductions, a Silver plan can give you Gold- or Platinum-level benefits at a Silver price. This is one of the most missed savings on the marketplace — ask CJ if you qualify.

No jargon, promise

Your top 10 ACA questions, answered

Plain-English answers — the same way CJ explains it on the phone.

1What is the Affordable Care Act (ACA)?
The Affordable Care Act (ACA), often called Obamacare, is the 2010 federal law that created the Health Insurance Marketplace — where individuals and families buy comprehensive health coverage, often with income-based subsidies that lower the monthly premium. ACA plans cannot deny you coverage or charge you more because of pre-existing conditions.
2Why do you need an ACA plan?
Because one accident or hospital stay without insurance can cost tens of thousands of dollars. If you don't get insurance through a job — gig workers, 1099 contractors, self-employed, part-timers, people between jobs — the ACA marketplace is how you get real coverage. Plans cap your yearly costs, cover pre-existing conditions, include free in-network preventive care, and most enrollees qualify for subsidies. Plans for $0/month are subject to income, household size, and subsidy eligibility guidelines.
3What must a Qualified Health Plan (QHP) cover?
Every Qualified Health Plan must cover the 10 Essential Health Benefits:
  • Outpatient (ambulatory) care
  • Emergency services
  • Hospitalization
  • Pregnancy, maternity & newborn care
  • Mental health & substance use treatment
  • Prescription drugs
  • Rehabilitative services & devices
  • Laboratory services
  • Preventive, wellness & chronic disease care
  • Pediatric services, including dental & vision for kids
4What are the metal tiers for ACA plans?
ACA plans come in four metal tiers — Bronze, Silver, Gold, and Platinum — based on how costs are split between you and the plan. Bronze pays about 60% of costs (lowest premium, highest deductible), Silver about 70% (and it's the only tier eligible for Cost Sharing Reductions), Gold about 80%, and Platinum about 90% (highest premium, lowest out-of-pocket). Tiers reflect cost-sharing, not quality of care.
5What is a deductible?
A deductible is the amount you pay for covered services each year before your plan starts sharing the cost. Example: with a $2,000 deductible, you pay the first $2,000 of covered care yourself. Many services — like preventive checkups, and often copay-based doctor visits — are covered before you meet the deductible.
6What are copays and coinsurance?
A copay is a fixed dollar amount you pay for a service — like $30 for a doctor visit or $15 for a generic prescription. Coinsurance is a percentage you pay after meeting your deductible — with 20% coinsurance, you pay 20% of the bill and the plan pays 80%.
7What is the maximum out-of-pocket (MOOP)?
The maximum out-of-pocket is the most you can pay for covered in-network care in a plan year — including your deductible, copays, and coinsurance combined. Once you reach it, your plan pays 100% of covered services for the rest of the year. It's your financial safety net against a worst-case year.
8What are Cost Sharing Reductions (CSR)?
Cost Sharing Reductions are extra income-based savings that lower your deductible, copays, coinsurance, and max out-of-pocket. They're only available on Silver plans and only for households under certain income levels. If you qualify, a Silver plan can perform like a Gold or Platinum plan — at the Silver price. This is one of the most overlooked savings on the marketplace.
9What are OEP and SEP?
OEP (Open Enrollment Period) is the annual window when anyone can enroll or switch plans — generally November 1 through January 15 in most states. SEP (Special Enrollment Period) is a 60-day window outside Open Enrollment triggered by a qualifying life event. Miss OEP? A life change may still get you covered now.
10What life changes qualify for a Special Enrollment Period?
You generally have 60 days from a qualifying life event to enroll. Common qualifying events include:
  • Losing job-based or other health coverage
  • Moving to a new ZIP code or county
  • Getting married or divorced
  • Having a baby or adopting a child
  • Turning 26 and aging off a parent's plan
  • A change in household income that affects subsidy eligibility
  • Gaining citizenship or lawful presence
  • Release from incarceration
Had one of these in the last 60 days? Tell CJ in the form below — you may be able to enroll today.
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