ACA (Marketplace) Plans

Compare Bronze, Silver, and Gold plans with potential premium tax credits and cost-sharing reductions. We’ll verify your doctors, prescriptions, and network before you enroll.

What’s included

Plan Tiers

Bronze (lower premium), Silver (balance + CSR eligible), Gold (lower out-of-pocket). We help you pick based on usage and budget.

Subsidy Check

We estimate premium tax credits and cost-sharing reductions based on your 2026 household size and income.

Networks & RX

We confirm doctor networks and formulary coverage for your medications before you apply.

ACA FAQs

Who qualifies for subsidies?

Eligibility is based on your household size and projected 2026 income. We’ll estimate credits during your appointment and verify during enrollment.

Do my doctors take the plan?

We look up networks (HMO/PPO/EPO) and confirm your preferred providers and hospitals before you pick a plan.

When does coverage start?

Marketplace coverage typically starts on the 1st of the month after plan selection and first premium payment (carrier timelines vary).

David Kindred — Founder/Principal Broker
David Kindred
Founder/Principal Broker
Licensed Professional
Hayley Lewis — Assistant Broker/Advisor
Hayley Lewis
Assistant Broker/Advisor
Licensed Professional

© 2025 Varsity Benefits LLC. All rights reserved.

Varsity Benefits is a licensed health insurance brokerage. Enrollment guidance/assistance is provided at no cost to consumers. By contacting us, you consent to be contacted by a verified licensed agent by phone, text, or email.

We want to hear from you!

FAQs & Contact:

2566-HEALTH - Dial: (256) 643-2584

Prefer email?: [email protected] - [email protected]