ACA Marketplace:
plans, subsidies & enrollment.
4 out of 5 people qualify for subsidies bringing premiums under $50/month. Shellion Covington helps you find the right plan, maximize your subsidy, and enroll with confidence — at no cost.
ACA Health Plan Services
From Marketplace browsing to subsidy calculations — we handle the whole process so you don't have to navigate Healthcare.gov alone.
Marketplace Plans
Browse and compare ACA-compliant health plans from top carriers in your area. We partner with top carriers so you don't have to.
Individual Coverage
Quality health insurance for individuals who don't have employer-sponsored coverage. Self-employed, gig workers, between jobs — we've got you.
Family Coverage
Comprehensive family health plans that cover everyone under one policy. Pediatric dental and vision included on all Marketplace family plans.
Special Enrollment
Life happens. Lost your job? Got married? Had a baby? We help you enroll outside Open Enrollment through qualifying life events.
Subsidy Maximization
Expert help determining your eligibility for premium tax credits and cost-sharing reductions. Most people leave money on the table — we make sure you don't.
Year-Round Support
Ongoing assistance with plan changes, claims questions, and coverage reviews. We don't disappear after enrollment.
The Health Coverage Concerns We Hear Every Day
Concerned health insurance is out of your budget
4 out of 5 people qualify for subsidies that bring premiums under $50/month. Source: KFF, 2025 Enhanced subsidies extended through 2025 mean more people qualify than ever. Most uninsured Americans simply don't know what they're eligible for — we run your numbers for free.
Low premium, high deductible — how do you know what's real?
A $12/month plan sounds great until you realize the deductible is $9,100. We model total annual cost — premiums plus expected out-of-pocket — so you see the real price, not just the sticker price.
Worried your doctor won't be in the network
Narrow networks are the #1 complaint about ACA plans. Before you enroll, we verify that your preferred doctors, specialists, and hospitals are in-network. No surprises at your first appointment.
You missed Open Enrollment — now what?
Special Enrollment Periods exist for a reason. Job loss, marriage, divorce, having a baby, moving, income changes — each can unlock a 60-day enrollment window. Source: Healthcare.gov We know every qualifying life event and can get you covered when you thought it was impossible.
ACA Updates That Could Save You Money
Enhanced Premium Subsidies Extended Through 2025
More middle-income families now qualify for premium tax credits — including households earning above 400% of the federal poverty level. No household pays more than 8.5% of income for the benchmark Silver plan.
Source: KFF Health Insurance SubsidiesSpecial Enrollment Period Rules Expanded
CMS has made it easier to qualify for Special Enrollment. Income changes, loss of Medicaid, and moving to a new ZIP code now trigger SEPs with less documentation required.
Source: Healthcare.gov SEPSouth Carolina Medicaid Unwinding — Closing the Gap
As South Carolina continues Medicaid redeterminations, thousands of residents are losing Medicaid coverage. If you received a termination letter, you have a 60-day Special Enrollment window to get ACA coverage.
Source: SC Department of Health & Human ServicesOur young, innovative team stays ahead of every ACA policy change so your coverage is always optimized.
Shellion Covington, our ACA & Medicare Specialist, serves clients across multiple states — ensuring you get coverage wherever you live.
Get Your Free Coverage Review
Includes personalized subsidy calculation, plan comparison, and doctor network verification. No cost, no obligation.
ACA Health Insurance FAQ
When is Open Enrollment for ACA plans?
Am I eligible for subsidies?
Can I get coverage outside of Open Enrollment?
Find The Coverage That Fits You
Every type of coverage we offer is backed by a dedicated specialist who knows the market inside and out. Click any option to learn more.
Commercial Insurance
Business protection — auto, liability, workers comp, contractor, and BOP solutions from multiple carriers.
View CoverageHealth Insurance
Individual & family coverage, ACA Marketplace plans, subsidy maximization, and year-round support.
View CoverageMedicare Solutions
Medicare Advantage, Supplement, Part D, Turning 65 guidance, and GLP-1 Bridge Program.
View CoverageLife Insurance
Term, whole life, final expense, mortgage protection, annuities, and retirement planning.
View CoverageEmployee Benefits & ICHRA
Group health, ICHRA solutions, dental, vision, disability, and benefits administration for employers.
View CoverageHealth Insurance Shouldn't Be A Mystery
Free subsidy check, plan comparison, and enrollment support. No cost, no pressure. Looking for a broader overview of all health coverage options?