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About ACA Direct Plans
ACA Direct Plans helps people in the United States understand when they can enroll in individual health coverage and what to have ready before they talk with someone. The site is an advertising and referral service. It connects you with an independent licensed agent partner. It is not HealthCare.gov, not an insurance company, and not a government agency.
The homepage walks through the request in three steps: you share your household situation, the site connects you with a licensed agent partner, and that person explains which dates and plan types may apply where you live. You decide whether to continue. Submitting the form does not enroll you, does not calculate a subsidy, and does not guarantee that a particular plan is available.
Open Enrollment and Special Enrollment Periods are set by the Marketplace and by state rules. A life change such as losing other coverage, moving, getting married, or having a baby can open a limited window, and each event has its own deadline. The guides linked below describe how those windows are commonly structured. Confirm the dates that apply to your state before you rely on them.
If you would rather enroll without an agent, you can use HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) at no cost. ACA Direct Plans may be paid by an agent partner when a referral is made. That payment can affect which partner contacts you. It does not change the price of a Marketplace plan, which is set by the insurer and by any subsidy the Marketplace determines.
Where to go next
- How an ACA enrollment referral works
- What to know before you enroll
- Common questions about this service
- Contact ACA Direct Plans
- All guides
Guides
These guides explain ACA enrollment timing, Special Enrollment Periods, and what families and new parents usually need to prepare. They are educational. They are not an application and they do not determine eligibility.
- ACA Health Insurance for Families: Covering Spouses, Kids, and Dependents
- ACA Open Enrollment: Dates, Deadlines, and When Your Coverage Starts
- Special Enrollment Periods: Which Life Events Qualify and How Long You Have
- Having a Baby? How ACA Coverage and Special Enrollment Work for New Parents
- How Does ACA Health Insurance Work? A Simple Guide to Marketplace Coverage