Affordable Care Act (ACA) Plans

ACA Health Insurance Plan Guidance in Tennessee & Georgia

Not everyone qualifies for Medicare yet. If you’re self-employed, under 65, or in need of individual health coverage, the Affordable Care Act (ACA) Marketplace may be your best option.


At Solutions to Medicare, we help you navigate the Marketplace, compare plans, and find affordable coverage that fits your health and budget. Our goal is to make the process clear, simple, and stress-free—whether you live in North Georgia, Chattanooga, TN or surrounding areas.

What Is the Affordable Care Act (ACA)?

The Affordable Care Act created a Marketplace where individuals and families can purchase health insurance, often with financial help. These plans include:

  • Essential health benefits like doctor visits, hospitalization, prescriptions, and preventive care
  • No denial for pre-existing conditions
  • Subsidies (tax credits) that can lower your monthly premium based on your income


ACA coverage bridges the gap until you qualify for Medicare.


Key Benefits:

  • Comprehensive Coverage – Includes essential health benefits like doctor visits, hospital care, maternity, prescriptions, mental health, and preventive care.
  • No Pre-Existing Condition Exclusions – You can’t be denied coverage or charged more for health conditions.
  • Subsidies and Tax Credits – Many people qualify for financial help to lower monthly premiums and out-of-pocket costs.
  • Choice of Plans – Different plan levels (Bronze, Silver, Gold, Platinum) to fit your needs and budget.
  • Coverage for Families – Options for individuals, couples, and dependents.
  • Free Preventive Services – Screenings, vaccines, and annual checkups are often covered at no cost.


ACA plans are especially valuable for those who are self-employed, between jobs, or retiring before Medicare eligibility.

Secure Your 2025 Health Plan During ACA Open Enrollment

Each year, the Affordable Care Act (ACA) Open Enrollment Period runs from November 1 through January 15. This is the time to review your health insurance, compare plans, and make sure you’re covered for the upcoming year.


During open enrollment, you can:

  • Enroll in a new plan through the Health Insurance Marketplace
  • Renew or update coverage if your needs or income have changed
  • Switch plans to find better benefits, costs, or providers
  • Apply for subsidies/tax credits to lower monthly premiums and out-of-pocket costs


Key Dates:

  • Enroll by December 15 → Coverage starts January 1
  • Enroll between December 16 – January 15 → Coverage starts February 1


If you miss this period, you may have to wait until next year unless you qualify for a Special Enrollment Period (due to events like losing coverage, moving, marriage, or having a baby). At Solutions to Medicare, we guide you step-by-step so choosing the right plan feels simple and stress-free.

Who Is Eligible for the Affordable Care Act?

The Affordable Care Act (ACA) makes health insurance available through the Health Insurance Marketplace. You may be eligible if:

  • You’re under 65 and need health insurance – The ACA is designed for individuals and families who don’t qualify for Medicare.
  • You live in the United States – You must be a U.S. citizen or lawfully present immigrant.
  • You don’t have affordable coverage through an employer – Or if your employer plan doesn’t meet minimum coverage standards.
  • You’re self-employed – The Marketplace offers coverage for independent workers and small business owners.
  • Your income qualifies for savings – Many people are eligible for subsidies or tax credits that lower premiums and out-of-pocket costs.
Father and son playing with a toy airplane in a sunny park. The boy raises the plane, smiling, while the father watches.
Father and son playing with a toy airplane in a sunny park. The boy raises the plane, smiling, while the father watches.

Who Should Consider ACA Plans?

You may benefit from ACA coverage if you are:

  • Under 65 and not yet eligible for Medicare
  • Self-employed or don’t have insurance through an employer
  • Between jobs and in need of temporary coverage
  • Someone who needs affordable health insurance for yourself or your family

What ACA Plans Cover

ACA Marketplace plans are required to include:

  • Preventive care and annual checkups
  • Hospitalization and emergency services
  • Prescription drugs
  • Maternity, pediatric, and mental health services
  • No-cost screenings and vaccines


Coverage levels vary by tier (Bronze, Silver, Gold, Platinum)—and we’ll help you find the one that balances cost and benefits for your situation.

How We Help with ACA Coverage in Tennessee & Georiga

Navigating the ACA Marketplace can feel confusing, especially with different plan options, subsidy calculations, and enrollment deadlines. That’s why we’re here:


We’ll sit down with you, explain your coverage options in plain language, and help you choose a plan that makes sense for your health and your budget. From checking if you qualify for tax credits to walking you through enrollment, we handle the details so you don’t have to.


And because life changes, our support doesn’t end after enrollment—we’re here year after year to help you update your plan if your circumstances shift.

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