What You Need to Know Before Choosing an ACA Marketplace Plan in 2025

Choosing a health insurance plan through the Affordable Care Act (ACA) Marketplace can feel overwhelming—but it doesn’t have to be. At Fortura Insurance Agency, we help individuals and families compare plans online with confidence. Here’s what you need to know before selecting your 2025 plan.

1. Understand the Open Enrollment Period

Open Enrollment is the main window to enroll in health insurance for 2025.

If you miss it, you might need a qualifying life event to sign up.

Check your state’s specific dates to make sure you don’t miss the deadline.

2. Balance Premiums and Total Cost

Premium = monthly cost.

Total cost also includes deductibles, copays, coinsurance, and your out-of-pocket max.

A lower premium isn’t always cheaper overall if you expect to use services frequently.

3.Consider Available Subsidies

Many people qualify for premium tax credits that reduce monthly payments.

Your household income and size determine your eligibility.

Our online tool can estimate your tax credits in minutes.

4. Check Network and Prescription Coverage

Confirm your doctors, hospitals, and prescriptions are covered.

This ensures you get the care you need without unexpected costs.

5. Compare Plans Side-by-Side

Shortlist 2–3 plans that meet your needs.

Compare metal tiers, costs, networks, and out-of-pocket limits.

Fortura makes this easy with simple online comparisons.

6. Apply Before the Deadline

Gather your household info, income estimate, and Social Security numbers.

Complete your Marketplace application online.

Ready to compare 2025 ACA plans? Start your enrollment online in minutes.