Is my Insurance Affordable Care Act (ACA)?

You likely have ACA coverage if your plan is called or described as:

✅ Common Names

• Marketplace Plan

• Exchange Plan

• ACA Plan

• Obamacare

• HealthCare.gov coverage (unless listed below all other states and territories enroll through the federal platform)  Note: Some states, like Arkansas, Illinois, and Oregon, operate their own marketplaces but use the federal platform for enrollment.
  
  

✅ Plan Types

• Qualified Health Plan (QHP), any plan that meets ACA standards, sold through an ACA marketplace.

• Individual or Family Plan purchased on your own (not through an employer or Medicaid), especially if you used a website like HealthCare.gov or your state’s exchange.

• Silver / Bronze / Gold / Platinum Plan, ACA plans are categorized by these metal tiers, depending on cost and coverage levels.

✅ If You Got:

• Premium Tax Credits to lower your monthly payment, you are in an ACA plan.

• Cost-Sharing Reductions (CSRs) that reduce out-of-pocket costs, also means you’re in an ACA plan.

• A 1095-A tax form from the IRS, that form only applies to ACA Marketplace coverage.

State-Based Health Insurance Marketplaces (ACA Exchanges)

If you applied through a state-based site instead of HealthCare.gov, you still have ACA insurance. 

These states and the District of Columbia operate their own ACA marketplaces:

• California – Covered California

• Colorado – Connect for Health Colorado

• Connecticut – Access Health CT

• District of Columbia – DC Health Link

• Idaho – Your Health Idaho

• Kentucky – Kynect

• Maine – CoverME

• Maryland – Maryland Health Connection

• Massachusetts – Massachusetts Health Connector

• Minnesota – MNsure

• Nevada – Nevada Health Link

• New Jersey – Get Covered NJ

• New Mexico – BeWellNM

• New York – NY State of Health

• Pennsylvania – Pennie

• Rhode Island – HealthSource RI

• Vermont – Vermont Health Connect

• Washington – Washington Healthplanfinder