Empowering Our Communities Through Affordable Health Coverage

Explore affordable, comprehensive health plans with ease. We specialize in helping families, veterans, and individuals find coverage that fits their needs—all backed by the trusted Prosperity Heritage Group mission.

Who Is the ACA Marketplace For?

The ACA Marketplace offers health coverage for people who don’t have insurance through a job, Medicare, or Medicaid. It’s designed to make health care affordable, accessible, and inclusive — no matter your background or income level.

✅ You may qualify if you:

 

  • Live in the U.S. and have a U.S. address (even a shelter or P.O. Box counts)

 

  • Are a U.S. citizen, national, or lawfully present immigrant

 

  • Are not currently incarcerated

 

  • Don’t have Medicare or job-based coverage

💡 Common Situations Where ACA Might Be Right for You

Situation ACA Marketplace May Be a Good Fit

You’re self-employed or a gig worker✔️ Yes — you can apply for coverage and may qualify for savings

You lost your job or health coverage✔️ Yes — you may qualify for a Special Enrollment Period

You’re between jobs or waiting for Medicare✔️ Yes — ACA can bridge the gap

You’re under 26 and not on a parent’s plan✔️ Yes — you can apply for your own coverage

You have a pre-existing condition✔️ Yes — ACA plans must cover you without charging more

You’re a caregiver or supporting family✔️ Yes — you can apply for household coverage

You’re experiencing homelessness✔️ Yes — you can still apply using a shelter or trusted address

 

 

“Coverage, connection, and care—because your health deserves more than a plan.”

💸 What About Income?

There’s no income limit to apply. But if your household income is between 100% and 400% of the federal poverty level, you may qualify for premium tax credits to lower your monthly costs. Even households above that range may still qualify for savings.

All ACA plans include:

  • Mental health services

  • Maternity and newborn care

 

 

  • Coverage for pre-existing conditions

  • Doctor visits and hospital care

  • Prescription drugs

  • Preventive care (like screenings and vaccines)

When Can You Apply?

  • Open Enrollment: November 1 – January 15

  • Special Enrollment: If you’ve had a major life change (job loss, move, marriage, birth, etc.)

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