Affordable Marketplace Health Insurance
Compare Plans. Find Savings. Enroll With Confidence.
Welcome to your trusted source for Marketplace Health Insurance, also known as ACA or Obamacare plans. We specialize in helping individuals and families enroll in affordable, government-approved health coverage tailored to their income, household size, and medical needs.
Whether you're uninsured, self-employed, or simply exploring better options, our licensed experts are here to help — at no cost to you.
Government-Approved Health Coverage
Marketplace Insurance refers to health plans offered under the Affordable Care Act (ACA). These plans provide comprehensive, affordable healthcare coverage to all Americans — regardless of income or pre-existing conditions.
Doctor visits & hospital stays
Emergency services & surgery
Mental health & substance use care
Prescription medications
Maternity & pediatric services
Preventive care and more
Qualify for Premium Tax Credits
Depending on your income, you may qualify for Premium Tax Credits that lower your monthly premiums — and in many cases, you may also qualify for Cost-Sharing Reductions that lower your deductibles and copays.
Metal Tiers Explained
Marketplace plans are grouped into four categories based on how you and the insurance company split costs.
Lowest monthly premium
Highest out-of-pocket costs
Plan pays ~60%, You pay ~40%
Ideal for:
Healthy individuals who want to protect against worst-case scenarios
Moderate monthly premium and cost-sharing
Only tier eligible for Cost-Sharing Reductions (CSR)
Plan pays ~70%, You pay ~30%
Ideal for:
Those who qualify for extra savings or want balance
Higher monthly premium
Lower out-of-pocket expenses
Plan pays ~80%, You pay ~20%
Ideal for:
People with regular medical needs, prescriptions, or chronic care
Highest monthly premium
Lowest costs when you get care
Plan pays ~90%, You pay ~10%
Ideal for:
Individuals with frequent or complex healthcare needs
💡 Note: Metal tiers do not affect the quality of care — all plans must meet ACA coverage standards.
Key Benefits of Marketplace Insurance
Every ACA Marketplace plan comes with comprehensive coverage and consumer protections designed to give you peace of mind and financial security.
Protected by Federal Law
Guaranteed Issue
Cannot be denied coverage due to health status
Essential Benefits
All plans must cover 10 essential health benefit categories
Annual Limits
No annual or lifetime benefit caps on essential services
Why Choose BDE Insurance?
We're committed to making health insurance simple, accessible, and affordable for everyone.
Licensed, Experienced Agents
Personalized guidance every step of the way
Access to Top Carriers
We work with all major insurance companies
Transparent and Trustworthy
No hidden fees, no pressure, just help
Secure & Confidential
Your information is protected under HIPAA guidelines
No-Cost Assistance
Our services are completely free to you
Frequently Asked Questions
Get answers to the most common questions about Marketplace insurance.
Ready to Explore Your Health Plan Options?
Contact us today to speak with a licensed insurance expert. We'll help you check eligibility for discounts, compare plans side-by-side, and enroll quickly with confidence.
Call Us
888-290-0078
Email Us
bde.insllc@gmail.com
Hours
Mon-Fri 8AM-8PM EST
No obligation • Free consultation • Licensed experts ready to help