Explore Your Plan Options

We guide you through both public marketplace plans and private insurance options to find the perfect fit for your needs and budget.

Let's find out which medical plan is right for you.

Private Plans (Direct & Employer)

Flexible coverage options with customizable benefits and broader network access.

Network Flexibility: Broader choice of doctors and specialists without referral requirements

Customizable Benefits: Tailor coverage to match your specific lifestyle and health needs

Premium Variety: Wide range of pricing options from basic to comprehensive coverage

Direct Access: Often includes concierge services and faster appointment scheduling

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Public Plans (Marketplace & ACA)

Government-regulated plans with standardized benefits and potential subsidies

Premium Subsidies: Income-based tax credits can significantly reduce monthly costs

Essential Benefits: Guaranteed coverage for preventive care, prescriptions, and emergencies

Pre-existing Protection: Cannot be denied coverage or charged more for health conditions

Standardized Options: Easy comparison with Bronze, Silver, Gold, and Platinum tiers

Shop Plan Rates

FPL

2026
Household Income

Using your Income to qualify for more affordable premiums

People above are not eligible for subsidies

People below are eligible for financial assistance and subsidies

Federal Poverty Levels

Family

100%

150%

200%

400%

1 person

$15,650

$23,475

$31,300

$62,600

2 people

$21,150

$31,725

$42,300

$84,600

3 people

$26,650

$39,975

$53,300

$106,600

4 people

$32,150

$48,225

$64,300

$128,600

5 people

$37,650

$56,475

$75,300

$150,600

6 people

7 people

$43,150

$48,650

$64,725

$86,300

$72,975

$97,300

$172,600

$194,600

8 people

$54,150

$81,225

$108,300

$216,600

Speak with a licensed broker to understand where you may fall and see if you qualify today

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or email us at team@vitalshieldcoverage.com

Marketplace | ACA
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Who are public plans good for?

ACA | Marketplace | Obamacare

State-Based Exchanges

Understanding Public Marketplace Plans

Public marketplace policies, like those under the ACA (Obamacare), are designed to cover a wide range of medical needs, including:

Pre-Existing Conditions: Guaranteed coverage for any and all pre-existing conditions.
Comprehensive Benefits: Classifies as major medical coverage because it includes free preventative care, maternity, mental health services, drug/alcohol rehabilitation and has a max out of pocket.

However, there are important considerations:

Higher Premiums: Because these policies cover high-risk individuals, monthly premiums and deductibles tend to be higher.
Subsidies: You may qualify for a lower premium through a subsidy, based on household income.
- Important Note: If your reported income on taxes is higher than what you indicated when enrolling, you could face a tax penalty.

Best Fit:

Individuals with costly medications
Frequent doctor visits
Low income

Many in this criteria find that an ACA-compliant

policy is the most beneficial option.