Compare Affordable Care Act health plans with a licensed agent
"Obamacare" is the everyday name for the Affordable Care Act (ACA). Our licensed agents help you compare marketplace plans from the carriers available in your state, check whether you qualify for a premium tax credit, and complete your enrollment. There is no fee for our help.
How it works
Tell us about your household
Your ZIP code, who needs coverage, and an estimate of next year's income. That's what the marketplace uses to calculate any premium tax credit.
Compare real plans side by side
Bronze, Silver, Gold and Platinum options from carriers such as Ambetter, Oscar, Aetna, Cigna, Molina, UnitedHealthcare and Blue Cross Blue Shield, depending on your county.
Enroll with your agent
We submit the application through the federal or state marketplace and stay your agent of record for questions, renewals, and life changes all year.
What a CareTeam agent helps with
Premium tax credits
Most marketplace enrollees qualify for a subsidy that lowers the monthly premium. Your agent estimates it before you pick a plan, so there are no surprises.
Cost-sharing reductions
Households under certain income levels can get Silver plans with lower deductibles and copays. We check whether yours qualifies.
Special Enrollment Periods
Lost coverage, moved, got married, had a baby? You may be able to enroll outside Open Enrollment. We confirm the window and the documents needed.
Renewals and changes
Plans and prices change every year. We review your renewal each fall and report income or household changes so your credit stays accurate.
Frequently asked questions
Is this a government website?
No. This site is operated by CareTeam Insurance & Financial Services, a private, licensed insurance agency. The official marketplace is HealthCare.gov, and several states run their own exchanges. We help you enroll through those marketplaces.
Does it cost anything to use an agent?
No. Licensed agents are paid by the insurance carriers. Your premium is the same whether you enroll on your own or with an agent.
What does an ACA plan cost?
It depends on your age, county, household size, income, and the plan you choose. After a premium tax credit, many households pay well under $100 a month, and some pay $0, but there is no single price for everyone. We quote your actual options.
Who is CareTeam?
CareTeam Insurance & Financial Services is an independent agency based in Sunrise, Florida, with licensed health agents appointed with major ACA carriers across several states. Learn more at careteaminsurance.com.
Talk to a licensed agent today
No obligation. We'll tell you what you qualify for and what it would cost.
Call (800) 406-8857