Individual & Family Coverage
ACA health insurance, explained clearly
Health coverage for individuals and families under the Affordable Care Act — with help understanding plans, costs, and enrollment timing.
The essentials of individual & family coverage
We focus on ACA-compliant plans and help you understand how each piece fits together.
Marketplace health insurance
The ACA Marketplace offers individual and family plans that cover essential health benefits, including doctor visits, hospital care, prescriptions, and preventive care. We help you compare plans available in your county.
Premium tax credits & financial assistance
Many households qualify for a premium tax credit that can lower monthly costs. Whether you qualify, and how much, depends on your household income and size — we can help you understand what may apply.
Open Enrollment
Each year there's a window when most people can enroll in or change Marketplace coverage. Missing it usually means waiting until the next year unless a Special Enrollment Period applies.
Special Enrollment Periods
Certain life changes — like losing other coverage, moving, or a change in family size — can open a limited window to enroll or change plans outside Open Enrollment.
On-exchange and off-exchange options
Plans are available both on the Marketplace (where financial assistance is applied) and directly from insurers. We help you compare both so you can see the full picture.
Three ways to get started
Pick the path that's easiest for you.
Please note
This page is for general education only and is not an offer of coverage. Eligibility for financial assistance, plan availability, provider participation, formularies, premiums, and out-of-pocket costs vary by plan and location and can change. SterlingMayo does not guarantee eligibility, savings, coverage, subsidy amounts, or that a specific provider participates in a given plan.
Have questions about your health insurance options?
We'll walk through your situation and compare what's available in your area — no pressure, just clear guidance.