Make Marketplace health insurance easier to understand.

Marketplace coverage, also called ACA or Obamacare coverage, can give individuals and families a way to compare qualified health plans. Guardiance offers licensed, personal help in the states listed below.

Start with the basics

What is Marketplace health insurance?

Marketplace plans are individual and family health plans that meet Affordable Care Act standards. Your options, costs, and potential savings depend on your household, income estimate, age, location, and other coverage available to you.

Review the whole cost picture

Monthly premium is only one part of a plan. Compare the deductible, copays, coinsurance, out-of-pocket maximum, network, and prescription coverage.

Understand possible savings

Some people may qualify for premium tax credits, and some may qualify for additional out-of-pocket savings. Eligibility is determined through the Marketplace application.

Choose a plan that fits

A plan should fit the doctors, prescriptions, expected care, and budget that matter to your household—not just the lowest advertised premium.

Helpful guides

Clear answers for common ACA questions.

ACA subsidies & premium tax credits

Understand the savings that may reduce a monthly premium.

Read the guide

Cost-sharing reductions

See why a Silver plan can matter when you qualify for extra savings.

Read the guide

Special Enrollment Periods

Learn which life changes may let you enroll outside Open Enrollment.

Read the guide

Coverage after job loss

Compare Marketplace coverage, COBRA, and the enrollment timing that may apply.

Read the guide

Self-employed health insurance

Learn how to compare plans when household income can change during the year.

Read the guide

ACA Marketplace vs. COBRA

Compare the plan, network, cost, and timing questions before making a choice.

Read the guide

How to estimate Marketplace income

Understand why a full-year household income estimate and timely updates matter.

Read the guide

Bronze vs. Silver plans

See why total cost and cost-sharing reductions can matter more than the premium alone.

Read the guide

When to update Marketplace information

Know which income and household changes can affect a Marketplace application.

Read the guide

Licensed service areas

Licensed Marketplace health guidance in 22+ states.

Choose your state for a local Marketplace health insurance overview and the official Marketplace resource. Availability, enrollment rules, and plans can differ by state and county.