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These plans offer minimum essential coverage as defined by the Affordable Care Act (ACA). They have a Max-out-of-Pocket expense or a “cap” on how much you will spend for the year.

Major medical plans through the marketplace are also required to provide customers with a series of preventative benefits at no cost.

Enrollment periods are between November 1st – December 15th. These plans are set to start on the 1st day of the following year. They can also be purchased outside the Open Enrollment Period if you had or will have a qualifying life event within a 60 days period.

Premiums for ACA plans vary as they give the customer the option to apply for a tax credit based on their income and family composition.