Understand the ACA Individual & Family Health Insurance Marketplace.

Save Hundreds with Subsidies.
Learn how to get financial assistance during 2020 Open Enrollment Period from November 1 to December 15 to have coverage at the beginning of the year. We want to help you save real money by connecting you to the right people, online tools, and health plans.

Call our licensed agents at 833-356-1182.

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Do you qualify for an ACA subsidy for 2020 health insurance?

Probably. Thanks to the ACA, commonly known as Obamacare, everyone is now eligible for health insurance. This means your monthly premiums can be dramatically reduced.

Enter your zip code to find plans.

Individual & Family health insurance market.

In the individual & Family health insurance marketplace, or exchange, the federal government provides these subsidies to keep your costs affordable from year to year. As market costs adjust annually, so do the savings opportunities. That means when premiums go up, so does the available assistance to help cover them. You can think of it as a built-in safety net that flexes to keep your healthcare costs budget-friendly.

Depending on your household income level, you may be eligible for health insurance subsidies based on:

  • Size of your household
  • Household’s estimated income

Federal subsidies are Advance Premium Tax Credits (APTC) and are not available to people eligible for Medicaid or Medicare or who have affordable coverage through an employer. Most states use the federally-facilitated marketplace (FFM) to pass along savings while Colorado uses its state exchange, called Connect for Health Colorado. This is where Bright Health is sold with federal subsidies that reduce your monthly health insurance premiums. If you have more questions, don't worry - we can help you determine whether you qualify. Call us at 833-356-1182.

Ready to see if you qualify? Get a plan quote for 2020 Enrollment.

2020 Open Enrollment Begins November 1st.

2020 enrollment is open until 12/15/19. Now’s the time to find your health plan for 2020.

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Call us or try our subsidy calculator to see if you qualify for financial assistance. Then you can shop for our plans, get a quote and buy a plan online, over the phone, or in-person. We have lots of ways to assist you. Bright Health is trying to make the process of buying our insurance and get financial assistance as simple as possible for you. We know that this isn’t easy.

Shop our plans

Ready to get started with subsidies and finding a Bright Health plan? We have lots of way to help you through this:

Call us for help at 833-356-1182. See if you qualify for subsidies in a few steps Get in touch with an ACA-certified assister or navigator. Or sit down with a health insurance broker or agent.

If you qualify for cost savings or tax credits during 2020 Open Enrollment, we want to help you take full advantage.

Signing up on the federal or state marketplace is the only way to enroll with these subsidies. But since we know the exchange is far from simple and easy, we’re here to help! Our team or our partners are ready to walk you through the process, step-by-step and stress-free.

Call us up at 833-356-1182.

Need help? We have lots of ways to get this done. We can put you in touch with some in-person medical insurance financial resources.

Get in touch with an ACA-certified assister or navigator. Don’t know what a navigator is? Learn more about these independent, government-certified professionals here.
Or sit down with a health insurance broker or agent. What is a health insurance broker? Again, learn more about these pros who know us well - and the ins and outs of the industry here.

Health Insurance Subsidies 101

The “Affordable Care Act” refers to the law that provides numerous rights and protections that make health coverage more fair and easy to understand, along with subsidies, making it more affordable. It’s sometimes known as “PPACA,” “ACA,” or “Obamacare.” The law also established exchanges or marketplaces where you can see if you qualify to receive tax credits and cost sharing, shop for plans, and get help.

When the ACA was signed into federal law in 2010, it established a federal marketplace for all states, or it allowed for each state to create its own state marketplace. Subsidized Bright Health plans are available here or directly via Healthcare.gov or in Colorado on the Connect for Health Colorado website.

If you meet income-level qualifications, you may be eligible for cost-sharing reductions (CSR) on Silver-level plans only (The ACA marketplace uses metal tiers to describe plans, such as Gold, Silver, and Bronze.). With CSR plans, the government will help you out as your medical expenses grow. Specifically, the government subsidizes reductions of the maximum out-of-pocket limit as well as possible reductions in deductibles, coinsurance, or copayments. 

Qualified Health Plans (QHP) are major medical plans that meet the requirement outlined in the Affordable Care Act (ACA), or Obamacare. These are the only plans that subsidies can be used with. QHPs are insurance plans that are certified by the government and provide essential health benefits (EHBs).

These are the 10 Essential Health Benefits categories:

  1. Ambulatory patient services.
  2. Emergency services.
  3. Hospitalization.
  4. Maternity and newborn care.
  5. Mental health and substance use disorder services, including behavioral health treatment.
  6. Prescription drugs.
  7. Rehabilitative and habilitative services and devices.
  8. Laboratory services.
  9. Preventive and wellness services and chronic disease management.
  10. Pediatric services, including oral and vision care.

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