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Unity Financial Network
US ES
ACA / Obamacare

Affordable Health Coverage for Everyone

Navigate the Affordable Care Act with confidence. Our licensed agents help you find the right marketplace plan, understand subsidies, and enroll.

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10,000+
Families Helped
$0-50
Avg. Monthly Cost
50+
Carriers
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Rating
Understanding the ACA

What is Obamacare?

The Affordable Care Act (ACA), commonly known as Obamacare, is a federal law that makes quality health insurance accessible and affordable for millions of Americans. It created the Health Insurance Marketplace where you can compare plans, apply for subsidies, and enroll in coverage that fits your needs and budget.

Guaranteed Coverage

No denial for pre-existing conditions. Everyone deserves health coverage regardless of medical history.

Subsidies Available

Reduce your monthly premium to as low as $0 based on your household income and family size.

Family Plans

Cover your entire household under one plan. Children can stay on parents' plan until age 26.

Essential Benefits

10 categories of essential care covered by law, including preventive care at no extra cost.

Compare Plans

Choose Your Metal Tier

ACA plans are organized into four metal tiers. Higher tiers mean lower out-of-pocket costs but higher premiums.

Bronze

60% Coverage
Premium
Lowest
Deductible
Highest
Best For

Healthy individuals who want low monthly premiums and don't visit the doctor often.

Most Popular

Silver

70% Coverage
Premium
Moderate
Deductible
Moderate
Best For

Most popular — a great balance of monthly cost and coverage for individuals and families.

Gold

80% Coverage
Premium
Higher
Deductible
Lower
Best For

Families who visit doctors frequently and want more coverage with lower copays.

Platinum

90% Coverage
Premium
Highest
Deductible
Lowest
Best For

Those who want maximum coverage and are willing to pay higher premiums for minimal out-of-pocket costs.

Covered by Law

10 Essential Health Benefits

Every ACA marketplace plan must cover these essential health benefits. No exceptions.

01
Ambulatory Patient Services
02
Emergency Services
03
Hospitalization
04
Maternity & Newborn Care
05
Mental Health Services
06
Prescription Drugs
07
Rehabilitative Services
08
Laboratory Services
09
Preventive & Wellness
10
Pediatric Services
Eligibility

Who Qualifies?

  • 1

    U.S. citizen or lawfully present resident

  • 2

    Not currently incarcerated

  • 3

    Not enrolled in Medicare

  • 4

    Income between 100-400% of the Federal Poverty Level (FPL) for premium subsidies

Even if you don't qualify for subsidies, you can still purchase a marketplace plan at full price. Special enrollment periods are available for qualifying life events like marriage, birth, or loss of other coverage.

Check Your Eligibility
Common Questions

Frequently Asked Questions

How much does ACA health insurance cost?
The cost of ACA health insurance varies based on your income, household size, location, and the plan tier you choose. Many families qualify for subsidies that can reduce monthly premiums to as low as $0. Our agents will help you understand exactly what you qualify for and find the most affordable option.
How do I know if I qualify for subsidies?
You may qualify for premium tax credits if your household income is between 100% and 400% of the Federal Poverty Level. For a family of four in 2026, that's roughly between $31,200 and $124,800. Our agents can run a quick calculation to determine your eligibility and estimated savings.
What documents do I need to enroll?
You'll need Social Security numbers for all household members, proof of income (pay stubs, W-2s, or tax returns), immigration documents if applicable, and information about any current health coverage. Our bilingual agents will walk you through the entire process step by step.
Can my whole family be on the same plan?
Yes! You can enroll your spouse and dependents under age 26 on the same marketplace plan. This often simplifies paperwork and can reduce overall costs. We'll help you compare family plan options to find the best coverage for everyone.
When can I enroll in an ACA plan?
The annual Open Enrollment Period typically runs from November 1 through January 15. However, you may qualify for a Special Enrollment Period if you experience a qualifying life event such as getting married, having a baby, losing other health coverage, or moving to a new area. Contact us to find out if you qualify.
What is the difference between Unity and Healthcare.gov?
Healthcare.gov is the government marketplace where plans are listed. Unity Financial Network is a licensed insurance brokerage that helps you navigate the marketplace at no extra cost. We provide personalized guidance, compare plans across carriers, help you maximize subsidies, and offer bilingual support — all for free. Think of us as your expert guide through the process.
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Your Health Can't Wait

Get a free, no-obligation consultation with our bilingual team. We'll help you find the perfect plan for your family and budget.

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