ACA Marketplace FAQs

Get answers to some of the most frequently asked questions about Affordable Care Act (ACA) plans.

Page last updated on: 7/01/25

Common questions about the ACA

We're addressing some frequently asked questions about the Affordable Care Act (ACA) and the Health Insurance Marketplace®.

Getting started with ACA coverage

Most U.S. citizens and lawfully present immigrants are eligible for ACA coverage. Income level, family size and state of residence all play a role in what plans and savings you may be eligible for.

Yes, the Marketplace is a key option for freelancers, gig workers and small business owners.

In Michigan, the Open Enrollment Period runs from Nov. 1 to Jan. 15. You can shop plans and see prices during October, but you can't enroll until Nov. 1.

  • If you enroll between Nov. 1 and Dec. 15, your coverage will start Jan. 1
  • If you enroll between Dec. 16 and Jan. 15, your coverage will start Feb. 1

If you miss the annual Open Enrollment Period (OEP), you may qualify for a Special Enrollment Period (SEP) due to life events like losing coverage, moving or having a baby.

Applying and enrolling

You can apply online at healthcare.gov, through an agent or broker, by phone, in person, or directly through a participating Marketplace provider like Priority Health.

Use the plan comparison tool on healthcare.gov or the website of a participating Marketplace provider, such as Priority Health.

Compare:

  • Monthly premiums
  • Deductibles and out-of-pocket costs
  • Covered services and provider networks

Metal tiers reflect how you and your plan share costs, not the quality of care.

  • Bronze generally means lower monthly premiums but higher out-of-pocket costs when you receive care.
  • Silver generally means moderate monthly premiums and moderate out-of-pocket costs when you receive care.
  • Gold generally means higher monthly premiums but lower out-of-pocket costs when you receive care.

Only if you qualify for a Special Enrollment Period or during the annual Open Enrollment Period.

Financial help & tax credits

If you qualify, financial help is available in the form of:

  • Premium tax credits to lower monthly costs
  • Cost-sharing reductions to lower deductibles and copays

Learn more about how to save on health coverage.

For 2025, subsidies are available for most people earning up to 400% of the federal poverty level - and sometimes beyond, depending on your situation.

When you get a quote for a MyPriority plan, we'll check to see if you qualify for financial assistance.

To reconcile your tax credit:

  1. Get your Form 1095-A, also known as the Health Insurance Marketplace Statement
  2. Print Form 8962 (PDF, 115 KB) and instructions (PDF, 348 KB)
  3. Use the information from your 1095-A form to complete Part II of Form 8962

Full instructions are available on healthcare.gov.

According to CMS.gov, you may lose eligibility for future subsidies if you don’t file your taxes and reconcile your advance premium tax credit.

Managing your coverage

To update your information:

  1. Log in to your account at healthcare.gov.
  2. Go to your application or dashboard.
  3. Select “Report a Life Change” or “Update Application”.
  4. Enter your updated income, household size, or other relevant details.
  5. Review and submit your changes to make sure your coverage and savings stay accurate.

Keeping your info up to date helps avoid incorrect subsidies or unexpected costs.

Always review and update your application each year to confirm eligibility and avoid surprises.

Want more help?

Call a Michigan-based enrollment specialist from our award-winning customer service team.

We're here to answer your questions and help you find the right plan for you and your family.

Call us toll-free at 844.590.0836 (TTY 711)

Mon. - Fri.: 8:30 a.m. to 5 p.m.

1America's Best Customer Service 2025 | Newsweek