The Affordable Care Act (ACA) created health insurance marketplaces, also known as exchanges, where individuals and small businesses can purchase insurance. The marketplace is designed to make it easier for people to find and compare health insurance plans, and to determine if they qualify for subsidies to lower the cost of coverage.

Step 1: Use plan finder to start browsing plans.

To begin browsing plans, you will need to fill out the plan finder information on Health Sherpa here. Once you have done this, you will be able to view a list of plans available in your area, as well as their prices. It's important to note that you will need to provide some personal information, including your income, in order to see the plans that are available to you.

Step 2: Determine if you are eligible for a subsidy.

If your income is below a certain level, you may qualify for a subsidy to help lower the cost of your insurance. To find out if you qualify, you can use the plan finder here.

Step 3: Compare plans and choose one that works for you.

There are four main types of plans available on the marketplace: Bronze, Silver, Gold, and Platinum. Each type of plan has a different level of coverage, and the premium (monthly cost) will vary depending on the type of plan you choose. The Bronze plan has the lowest monthly premium, but also the least coverage. The Platinum plan has the highest monthly premium, but also the most coverage.

The plans also have different networks of doctors and hospitals. So it's important to check the network of the plan you are interested in, and make sure it includes your preferred provider.

Step 4: Enroll in a plan.

Once you have chosen a plan that works for you, you can enroll in it. You will need to provide some personal information, including your income, and make your first premium payment.

Step 5: Make the most of your coverage.

It's important to understand the terms of your coverage, including the benefits and exclusions, so that you can make the most of your insurance. Be sure to take advantage of preventative care services and understand what to do in case of an emergency. It's also a good idea to keep your insurance card with you at all times, and to inform your insurance company of any changes to your contact information or income.

In summary, the health insurance marketplace is a great resource for finding and comparing health insurance plans. By following these steps, you can find a plan that works for you and enroll in it with confidence. Remember to take advantage of subsidies if you qualify, compare plans and networks, and make the most of your coverage.