Health Plan Options 2025

The Affordable Care Act (ACA) provides health insurance for individuals and families who don’t have employer or government coverage, with subsidies based on income. Medicare is a federal program for people 65 and older or those with certain disabilities.

ACA is for U.S. citizens/legal residents who don’t have affordable employer coverage, while Medicare is for people 65+ or those with disabilities, End-Stage Renal Disease (ESRD), or ALS.

ACA plans must cover essential health benefits like preventive care, hospitalization, and prescriptions. Medicare covers hospital stays (Part A), doctor visits (Part B), prescription drugs (Part D), and may include extra benefits through Medicare Advantage (Part C).

ACA Open Enrollment is Nov 1 – Jan 15, with special enrollment for qualifying life events. Medicare Initial Enrollment starts three months before and after your 65th birthday, with additional annual enrollment periods.

ACA plans vary based on income, with subsidies available. Medicare costs include Part A (often free), Part B (monthly premium), and Part D/Advantage plans with varying costs.