Most people qualify for a $0/mo ACA premium. Are you one of them?
We check the subsidy you qualify for, compare every Marketplace plan in your ZIP, and make sure your doctor is in-network — all before you enroll. Free, licensed, no pressure.
Open Enrollment for 2027 plans runs Nov 1, 2026 – Jan 15, 2027. Outside that window, a Special Enrollment Period (life event in last 60 days) can let you enroll today.
See your estimated premium in 60 seconds
Quick estimate based on your ZIP, household size, and income. A licensed advisor gives you an exact comparison.
Estimates are based on 2026 federal poverty level tables and average Silver plan premiums in your ZIP code. Exact plans, premiums, and subsidies may differ. A licensed SilverEdge advisor will pull your real numbers when you're ready.
Your full ACA picture — in one call
Subsidy check
We calculate every federal premium tax credit and cost-sharing reduction you qualify for based on your income, age, and household.
Plan comparison
Every Marketplace plan in your ZIP, side-by-side. Bronze, Silver, Gold, Platinum — filtered by your doctors, your drugs, and your budget.
Help enrolling
We handle the application paperwork, coordinate with the carrier, and are here all year for questions, claims issues, and SEPs.
Bronze, Silver, Gold, Platinum — what's the trade?
Metal tiers describe how the plan splits costs with you. Same essential benefits across all four — what changes is the premium-to-out-of-pocket trade-off.
Lowest premium, highest deductible. Best if you're healthy, rarely use care, and want the lowest monthly cost.
The benchmark plan for subsidies. If your income is under 250% FPL, Silver triggers cost-sharing reductions that often make it the best value.
Higher premium, lower deductible and copays. Strong fit if you have ongoing prescriptions or expect specialist visits.
Highest premium, near-zero out-of-pocket. Right for people with significant health needs who'd otherwise hit the deductible early.
Subsidies apply to all four tiers. Your advisor calculates which combination of tier + carrier nets the lowest total cost for your specific situation.
Special Enrollment Periods
Outside of Open Enrollment (Nov 1 – Jan 15), you can still enroll if you've had a qualifying life event in the last 60 days:
Request a free ACA plan comparison.
A licensed ACA specialist in your state will reach out — usually the same day.
What our ACA members saved last Open Enrollment.
Real numbers from real members in good standing — verified at re-enrollment.
"I qualified for a $0 ACA premium and didn't know it. SilverEdge ran the subsidy math, picked a Silver plan that kept my doctor in-network, and enrolled me in 12 minutes."
"After being laid off, my COBRA quote was insane. SilverEdge found me a Bronze HSA plan, helped me triple-check my doctors were in-network, and saved me close to $300/month."
"Switched our family of four from a Bronze plan to a Silver CSR plan. Same monthly premium, but our deductible dropped from $9,000 to $1,500. Should have done it years ago."
Common questions
How does the ACA subsidy work?
What's the difference between Bronze, Silver, Gold, and Platinum?
Can I keep my doctor?
What if I missed Open Enrollment?
Does SilverEdge cost anything?
Every major Marketplace carrier in your ZIP
We compare every plan available — not just our best-paying carrier.
Plus regional Marketplace carriers in select states (Capital BlueCross, Highmark, EmblemHealth, MVP, and others).
Two minutes. Zero pressure.
See your real ACA options — and the subsidy you qualify for — with a licensed advisor.