ACA Marketplace

Helping You Find Affordable Coverage Through the Health Insurance Marketplace

If you’re under 65 and don’t have health coverage through an employer, Medicare, or a spouse, the Affordable Care Act (ACA) Marketplace may be your best option for reliable, budget-friendly insurance. At Brooks Financial, we work with individuals and families throughout Columbia and the greater Midlands area to understand how ACA plans work, what they cover, and how to apply. Many clients are surprised to find they qualify for premium tax credits or cost-sharing reductions—which can dramatically lower their monthly payments and out-of-pocket costs. Whether you’ve recently lost coverage, are self-employed, or just turned 26 and aged off a parent’s plan, we’ll help you find the right Marketplace policy with no pressure and no confusion.

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ACA Health Insurance Options We Offer

Whether you're exploring ACA plans or short-term options, we’ll help you find a plan that works in the real world, with the right balance of coverage and cost.

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Marketplace Plan Comparisons

We help you compare Bronze, Silver, Gold, and Platinum plans to determine which level of coverage fits your medical needs and budget.
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Premium Subsidy Eligibility Help

We’ll estimate your savings based on your household income and size—and help ensure you get the most from available federal assistance.
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Cost-Sharing Reduction Guidance

If you qualify, we’ll explain how certain Silver plans can lower your copays, deductibles, and other out-of-pocket costs.

Your Local Health Insurance Marketplace Guide

Take the Guesswork Out of Choosing an ACA Plan

Applying for coverage through the ACA Marketplace can feel overwhelming—especially when you're not sure how subsidies work or which plan includes your doctors. At Brooks Financial, we simplify the process, answer your questions in plain language, and make sure you’re getting coverage that fits your situation.

  • Help for First-Time Buyers & Transitions
     Whether you just turned 26, left your job, or are retiring early, we’ll help you understand what to expect and what to avoid.
  • Local Network Knowledge
     We’ll help you choose a plan that includes Midlands-area hospitals, doctors, and pharmacies you already use and trust.
  • Trusted, Ongoing Support
     If your income changes or you have questions about your policy mid-year, we’re always just a call or email away.

Frequently Asked Questions About ACA Plans

  • Who qualifies for ACA health plans?

    Anyone legally residing in the U.S. who is not eligible for Medicare, Medicaid, or employer coverage may apply. Subsidies are based on your income and household size.

  • When can I enroll?

    The Open Enrollment Period typically runs from November 1 to January 15. If you have a qualifying life event—like losing coverage, moving, or getting married—you may be eligible for a Special Enrollment Period.

  • What’s covered under an ACA plan?

    All Marketplace plans cover essential health benefits like doctor visits, hospital care, preventive services, mental health treatment, maternity care, and prescriptions.

  • Will I qualify for a subsidy?

    Most people do! We’ll estimate your subsidy amount based on your income and ensure it’s applied properly to your monthly premium.