Affordable Health Coverage
for Individuals & Families
Whether you’re self-employed, between jobs, or just looking for better coverage — we help you find the right ACA plan and check if you qualify for subsidies that lower your monthly cost.
The Affordable Care Act — Plain English
The ACA (sometimes called “Obamacare”) created a marketplace where individuals and families can shop for health insurance — and potentially receive financial help to lower the cost. Plans must cover essential health benefits, and you can’t be denied for pre-existing conditions.
💰 You May Qualify for Subsidies
Many people are surprised to find out they qualify for premium tax credits that can significantly reduce — or even eliminate — their monthly health insurance premium. Eligibility is based on your income and household size. We’ll help you find out what you qualify for before you enroll.
Choosing the Right Plan Level
ACA plans come in four “metal” tiers. The right choice depends on how often you use healthcare and how much you can afford each month.
🥉 Bronze
Lower monthly premium, higher out-of-pocket costs. Best if you’re generally healthy and rarely use care.
🥈 Silver
Mid-range premium and costs. Best if you want balance — and required if you qualify for Cost Sharing Reductions.
🥇 Gold
Higher premium, lower out-of-pocket. Best if you use healthcare regularly and want predictable costs.
💠 Platinum
Highest premium, lowest out-of-pocket. Best for people with significant ongoing healthcare needs.
ACA Coverage Is Great For…
Self-Employed People
No employer plan? No problem. The marketplace was designed for people exactly like you.
Between Jobs
Lost coverage when you left a job? A Special Enrollment Period may let you enroll outside the normal window.
Families
Cover your whole household on one plan. We’ll help you find options that include your kids’ doctors.
Young Adults
Off a parent’s plan? ACA plans are often more affordable than you’d think — especially with subsidies.
ACA FAQ
When can I enroll in an ACA plan?
Open Enrollment typically runs November 1 through January 15 (dates may vary by state). If you have a qualifying life event — job loss, marriage, moving, birth of a child — you may qualify for a Special Enrollment Period.
What if I missed Open Enrollment?
You may still have options — a Special Enrollment Period, a short-term health plan, or other off-market coverage. Call us and we’ll walk through what’s available in your state.
Are pre-existing conditions covered?
Yes. ACA Marketplace plans cannot deny coverage or charge you more based on a pre-existing condition.
What does ACA cover?
All ACA plans must cover 10 essential health benefits including emergency care, hospitalization, prescription drugs, preventive care, mental health services, and maternity care.
Is there a cost to use Lander Insurance?
No. Our help is free to you. We’re compensated by the insurance carriers — not by charging you fees.
Let’s Find Your Health Plan
Tell us a little about your situation and we’ll compare options in your state — including any subsidies you may qualify for.