We understand you may have questions regarding the The Patient Protection and Affordable Care Act (PPACA), commonly called the Affordable Care Act (ACA) or, colloquially, ObamaCare. Our experts are certified on the Federally-Facilitated Marketplace (FFM) and here to answer any questions you may have.

Having thorough and accurate information of the Health Insurance Market is an essential part of being an educated consumer. We have been the gold standard in this field for over 10 years for ease of use, accuracy and completeness of information. We compare carriers for all individuals on Health Insurance Markets both “On” and “Off” exchange.

A personalized strategy for each individual.


Plan Types

Health Coverage will fall into 4 plan types which include: Exclusive Provider Organization (EPO), Health Maintenance Organization (HMO), Point of Service (POS) or Preferred Provider Organization (PPO).

  • Premium
  • MOOP

Maximum Out Of Pocket

In 2016 the highest available MOOP for a Marketplace plan is $6,850 for an individual plan and $13,700 for a family plan.

  • Actuarial Value

Metal Levels

Health Coverage will fall into 4 metal levels based on actuarial value which include: Platinum, Gold, Silver and Bronze.

The most affordable plan type in most circumstances will be the HMO option. The most expensive plan type in most circumstances will be the PPO option

The lower your MOOP the higher your monthly premium will be.

The most affordable Metal Level is Bronze. The monthly premium will increase as the metal level increases to Silver, Gold and Platinum.