ACA Marketplace Guide 2025

The ACA marketplace runs annually from November 1 to January 15. You can enroll outside open enrollment if you have a qualifying life event: job loss, marriage, having a child, moving. Premium tax credits are available to households earning 100–400% of the federal poverty level — and since the American Rescue Plan, there's no upper income cap for subsidy eligibility through 2025. A single adult earning $40,000 ($3,333/month) qualifies for subsidies that reduce the benchmark silver plan to roughly 8.5% of income. Use healthcare.gov to compare plans — filter by your doctors and prescriptions first, then compare total costs including premiums and out-of-pocket maximums.