Health Insurance Built For A Household Of One
If you're covering only yourself, you shouldn't have to wade through family plans to find your price. Individual ACA plans are priced on your income and your age alone — and most single filers qualify for a premium tax credit that brings the monthly cost down well below the sticker price.
Prefer to talk it through? Call (888) 653-1324 — a licensed agent can quote you in one call.
Covering Just Yourself?
Individual plans are the right fit any time you're the only person on the policy. These are the situations we see most.
Self-Employed & 1099
No employer plan to fall back on. Your premiums may also be deductible on your return.
Turning 26
Aging off a parent's plan triggers a Special Enrollment Period — you get 60 days to pick your own.
Between Jobs
Losing job-based coverage also opens a Special Enrollment Period, and an ACA plan is usually far cheaper than COBRA.
Retired Before 65
Too young for Medicare. Individual ACA coverage bridges the gap without a medical exam.
Part-Time & Gig Work
Hours too low to qualify at work. Subsidies are based on income, so a lower income means a bigger credit.
Small Business Owner
Covering yourself first, before you're big enough for a group plan.
How Your Monthly Cost Is Calculated
Nobody pays the sticker price without checking first. Four things decide what you actually pay.
Your Household Size Is One
Premium tax credits are calculated against the federal poverty level for your household size. As a single filer, that threshold is the lowest there is — which is why the same income produces a different credit for you than it would for a family of four.
Your ZIP Sets The Benchmark
Your credit is pegged to the second-lowest-cost Silver plan sold in your county — the benchmark plan. Two people with identical incomes in different ZIPs can get very different credits.
Your Age Sets The Rate
ACA plans can only price on age, ZIP, tobacco use, and household size. Your medical history is not a factor, and you cannot be turned down or surcharged for a pre-existing condition.
You Pick The Metal Tier
The credit is a fixed dollar amount. Apply it to a Bronze plan and your premium drops the furthest; apply it to Gold and you trade premium for lower costs when you actually use care.
Eligibility and credit amounts are determined by the Marketplace based on the information in your application. Enter your ZIP to see the plans and pricing available to you.
Understand ACA Metal Levels & Find the Right Plan
The ACA created a four-tier system to help balance monthly premiums and out-of-pocket costs, making it easier to choose a plan that fits your needs and budget.
Bronze Plans
Lowest monthly premiums, higher deductibles. Best for healthy individuals seeking protection against major medical events.
Silver Plans
Moderate premiums and balanced coverage. Eligible for cost-sharing reductions to lower out-of-pocket expenses.
Gold Plans
Higher premiums but lower costs when you need care. Great for individuals or families with frequent medical needs.
Platinum Plans
Highest premiums, lowest out-of-pocket costs. Ideal for those who expect regular medical care and want maximum coverage.
Open Enrollment & Special Enrollment Periods
Knowing when and how to enroll is key to getting the coverage you need. Enroll Health makes it simple to understand your options and take action.
Open Enrollment
- ✓Runs from November 1 to January 15
- ✓Best time to enroll without any restrictions
- ✓Guaranteed coverage for the upcoming year
- ✓Simple sign-up with no special requirements
Special Enrollment Periods
- ✓Available only after certain life events
- ✓Qualify through things like marriage or divorce
- ✓Also applies to birth or adoption, or moving states
- ✓Helps you stay covered if you lose other health insurance
Questions We Get From Solo Enrollees
The things people ask most when they're only covering themselves.
Ready to fly?
Enter your ZIP to compare every plan in your state, with subsidies already applied — in about two minutes.