ACA Marketplace & Private Health Plans
Explore every health insurance option available to you — from subsidized ACA Marketplace plans to off-exchange and private coverage. We help you find the right plan at the right price.
Health Insurance Beyond Medicare
Not everyone qualifies for Medicare. Whether you're under 65, self-employed, between jobs, or simply need coverage for your family, the Affordable Care Act (ACA) Marketplace and private health insurance market offer a range of options. Navigating these options can be complex — plan designs, provider networks, subsidy calculations, and enrollment windows all require careful consideration.
At Integrity Health Solutions, we provide the same independent, no-cost guidance for ACA and private plans that we offer for Medicare. We compare plans from every available carrier in your area and help you understand your subsidy eligibility, out-of-pocket costs, and network access before you enroll.
Types of Coverage Available
ACA Marketplace Plans
Health insurance plans available through the federal Health Insurance Marketplace (HealthCare.gov). These plans are categorized into Bronze, Silver, Gold, and Platinum tiers based on cost-sharing levels. Subsidies may significantly reduce your monthly premium.
Off-Exchange Plans
The same ACA-compliant plans available directly from insurance carriers without going through HealthCare.gov. These plans offer identical coverage but are not eligible for premium tax credits. They may be a good fit if your income exceeds subsidy thresholds.
Short-Term Health Plans
Temporary coverage for gaps between major medical plans. These plans typically have lower premiums but do not cover pre-existing conditions and are not ACA-compliant. Available for up to 364 days in Florida.
Small Business & Self-Employed Plans
Health insurance options for freelancers, independent contractors, and small business owners. We help you compare individual ACA plans, SHOP marketplace options, and group plan alternatives to find the most cost-effective coverage.
Understanding ACA Metal Tiers
ACA Marketplace plans are organized into four metal tiers that reflect how costs are shared between you and the insurance company. The tier you choose affects your monthly premium, deductible, copays, and maximum out-of-pocket costs.
| Tier | You Pay | Plan Pays | Best For |
|---|---|---|---|
| Bronze | ~40% | ~60% | Low premiums, healthy individuals |
| Silver | ~30% | ~70% | Moderate use, subsidy-eligible |
| Gold | ~20% | ~80% | Regular medical care |
| Platinum | ~10% | ~90% | Frequent care, higher premiums |
Enrollment Periods
Open Enrollment Period
November 1 through January 15 each year. This is the main window to enroll in or change your ACA Marketplace plan for the coming year.
Special Enrollment Period (SEP)
Available year-round if you experience a qualifying life event such as losing employer coverage, getting married or divorced, having a baby, or moving to a new area.
Medicaid & CHIP
Enrollment is available year-round for Medicaid and the Children's Health Insurance Program. Income eligibility varies by household size.
How We Help You Find the Right Plan
Our process is designed to save you time and money. When you work with us, we start by understanding your situation — your income, household size, health needs, preferred doctors, and medications. We then run a comprehensive comparison of every plan available in your zip code and present you with clear, side-by-side options.
COBRA Alternative
If you've recently lost employer coverage, COBRA continuation may seem like your only option — but it's often the most expensive one. ACA Marketplace plans frequently offer comparable or better coverage at a fraction of the cost, especially if you qualify for premium tax credits. Losing employer coverage triggers a Special Enrollment Period, giving you 60 days to enroll in a Marketplace plan. Read our detailed COBRA vs. ACA comparison guide for a full breakdown.
ACA Deep-Dive Guides
We've created detailed guides to help you navigate every aspect of ACA health insurance in Florida:
Explore More Resources
Frequently Asked Questions
Free · No Obligation · No Pressure
Find the Right Health Plan
Schedule a free consultation to compare ACA Marketplace, off-exchange, and private health plan options. We'll help you estimate subsidies and find the best coverage for your budget.
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