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Financial Solutions
Uplift Path
ACA Major Medical Plans
ACA plans—often referred to as “ObamaCare plans”—are comprehensive health insurance options available through the federal or state Marketplace. They must cover all 10 essential health benefits, cannot deny you due to pre-existing conditions, and cap your out-of-pocket costs each year.
Can’t Get Coverage Through an Employer?
If you don’t have job-based insurance, you still have options:
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Under 65: ACA plans or private options
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Over 65 or disabled: Medicare, Medicare Advantage, or Medigap
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Between jobs: Special enrollment or short-term alternatives
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New to Medicare: We can help guide your enrollment window
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Denied Medicaid or financial help: There are still private options available
We Can Help You Find the Right Coverage
Whether you’re aging into Medicare, losing employer insurance, moving states, self-employed, or just trying to understand your options, we can walk you through every step.
ACA Major Medical Plans
How ACA Plans Work
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Metal tiers: Bronze, Silver, Gold, and Platinum.
These don’t change the coverage you get—only how you and the plan split costs. -
Networks: Many use HMO or EPO networks. Some states offer PPOs, depending on the carrier.
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Service categories: Preventive care is always $0. Other services involve copays, coinsurance, or deductibles depending on the plan.
Who ACA Plans Fit Best
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People with no employer coverage
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Self-employed individuals
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Those needing full major medical coverage
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Anyone who wants predictable, regulated, comprehensive benefits
How ACA Plans Are Priced
Pricing is based on:
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Your income (most people qualify for discounts!)
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Your age
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Your household size
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Your location
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Tobacco use
Most people receive premium tax credits and cost-sharing reductions if they qualify financially—sometimes reducing premiums close to $0.
Private Indemnity
How Indemnity Plans Work
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You choose the benefit amounts.
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When an event occurs, the plan pays a fixed cash amount (for example, $100 for a doctor visit or $500 for an ER visit).
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You can spend the money however you want—medical bills, rent, groceries, etc.
How They Are Priced
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Rates are based on age, benefit levels, and health questions (many options require some medical underwriting).
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Typically lower in cost than ACA major medical plans.
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Often used to fill gaps or lower overall risk exposure.
Who Indemnity Plans Fit Best
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People who don’t qualify for ACA subsidies
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Those wanting supplemental protection alongside major medical
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Anyone who prefers cash-benefit plans with flexible use
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People healthy enough to pass underwriting
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