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You can visit the Health Insurance Marketplace® to shop for ACA individual & family plans, sign up, and see if you qualify for premium and plan savings.
Every ACA plan is assigned a metal tier: Platinum,* Gold, Silver or Bronze. All plans offer the same quality of care. The metal tier is based on how you and your plan split the costs.
|
On-Marketplace plan |
Off-Marketplace plan |
---|---|---|
What is it? |
A plan you buy outside of your state’s Health Insurance Marketplace® (or exchange), or on HealthCare.gov. |
A plan you buy outside of your state’s Health Insurance Marketplace® (or exchange), or on HealthCare.gov. |
How do I shop? |
You can buy a plan through companies with direct enrollment sites (like us), using the help of a broker or on the Marketplace. |
You can buy a plan through companies with direct enrollment sites (like us) or direct through a broker, outside of the Marketplace. |
Essential benefits? |
Yes. All ACA plans cover 10 essential benefits.* |
Yes. All ACA plans cover 10 essential benefits.* |
Subsidies? |
Yes. You can apply for premium discounts or extra savings on your out-of-pocket costs. |
No. These plans don’t offer premium discounts or extra savings. But you may find more plan choices. |
What's best for me? |
Great choice if you qualify for subsidies based on your household income. |
Great choice if you make too much money to qualify for subsidies. |
What is it? |
|
On-Marketplace plan |
A plan you buy outside of your state’s Health Insurance Marketplace® (or exchange), or on HealthCare.gov. |
Off-Marketplace plan |
A plan you buy outside of your state’s Health Insurance Marketplace® (or exchange), or on HealthCare.gov. |
How do I shop? |
|
On-Marketplace plan |
You can buy a plan through companies with direct enrollment sites (like us), using the help of a broker or on the Marketplace. |
Off-Marketplace plan |
You can buy a plan through companies with direct enrollment sites (like us) or direct through a broker, outside of the Marketplace. |
Essential benefits? |
|
On-Marketplace plan |
Yes. All ACA plans cover 10 essential benefits.* |
Off-Marketplace plan |
Yes. All ACA plans cover 10 essential benefits.* |
Subsidies? |
|
On-Marketplace plan |
Yes. You can apply for premium discounts or extra savings on your out-of-pocket costs. |
Off-Marketplace plan |
No. These plans don’t offer premium discounts or extra savings. But you may find more plan choices. |
What's best for me? |
|
On-Marketplace plan |
Great choice if you qualify for subsidies based on your household income. |
Off-Marketplace plan |
Great choice if you make too much money to qualify for subsidies. |
This is a percentage that you pay after you’ve met your deductible. For example, if your plan covers 80% of the cost for physical therapy, you pay 20%.
This is a fixed amount that you typically pay at the time you get care. For example, you might pay $40 when you see your doctor.
This is the amount you pay before your health plan starts to pay for some or all of your costs.
This is a cap on plan costs. Once you’ve paid this amount through deductibles, copays and coinsurance, your plan pays 100% of all covered costs for the rest of the plan year.
This is an authorization from your doctor to see another doctor for a specific health service. It’s written on paper or sent electronically.
This is a tax credit to lower health insurance costs. One type is a premium tax credit. This lowers the plan’s monthly cost. Another type is cost-sharing reductions. These help you pay less for out-of-pocket costs like deductibles, coinsurance and copays.
Our licensed agents can answer your questions and help you choose the right plan for your needs.
You can find select Platinum plans in California only. In another state? Check out the great features of our Gold, Silver and Bronze plans during Open Enrollment.
Every ACA plan covers 10 essential benefits:
Health plans are offered or underwritten or administered by Aetna Health of California Inc., Aetna Health Inc. (Florida), Aetna Health Inc. (Georgia), Aetna Life Insurance Company, Aetna Health of Utah Inc., Aetna Health Inc. (Pennsylvania), or Aetna Health Inc. (Texas) (Aetna). Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies.
Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Information is accurate as of the production date; however, it is subject to change.
The member-compensated testimonials on this website reflect enrollees' experience with Aetna CVS Health® individual & family plans.
Health benefits and health insurance plans contain exclusions and limitations.
Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its subsidiary companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.
You can visit the Health Insurance Marketplace® to shop for ACA individual & family plans, sign up, and see if you qualify for premium and plan savings.
You can visit the Nevada Health Link to shop for ACA individual & family plans, sign up, and see if you qualify for premium and plan savings.
You can visit Covered California to shop for ACA individual & family plans, sign up, and see if you qualify for premium and plan savings.
You can visit Get Covered New Jersey to shop for ACA individual & family plans, sign up, and see if you qualify for premium and plan savings.
You can visit the Health Insurance Marketplace® to shop for ACA individual & family plans, sign up, and see if you qualify for premium and plan savings.
The guest payment feature of our bill payment system is currently not available. You can still make an online payment by logging in to your member website. Payments can also be made by calling the number on the back of your ID card. We are working on a resolution and appreciate your patience.
You can visit Maryland Health Connection to shop for ACA individuals & family plans, sign up, and see if you qualify for premium and plan savings.
You can visit Virginia's Insurance Marketplace to shop for ACA individuals & family plans, sign up, and see if you qualify for premium and plan savings.
Remember to stop back on November 1 during Open Enrollment to choose your 2024 plan.
Had a big life change? You may still be able to get coverage for 2023 if you qualify.