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ACA individual & family plan basics

On the Marketplace or off: What’s right for you?

On-marketplace plan 

You can choose to buy this type of plan using the help of a broker, through companies with direct enrollment sites (like us), or on the Health Insurance Marketplace®. (aka “exchange”). This is where individuals and families can compare and shop for health plans. It is run by either the federal or state government depending on where you live. 

Great choice if: 

You qualify for premium discounts or extra savings on your out-of-pocket costs based on your household income.  

Off-marketplace plan

You can buy this type of plan directly through a broker or health insurance company (like us) outside of the official Marketplace (aka “off exchange”). These plans don’t offer premium discounts or extra savings. But you may find additional plan choices.  

Great choice if: 

You make too much money to qualify for financial help. (Tip: Many people think they won’t qualify, but actually do!) 

A guide to plan levels and costs


Every ACA plan is assigned a metal tier: Platinum, Gold, Silver or Bronze. Metal tiers have nothing to do with the quality of care you receive. They determine how you and your plan split costs.

Platinum* 

Premium: Highest  

Out-of-pocket costs: Lowest 

Deductibles: Lowest  

Gold 

Premium: Higher 

Out-of-pocket costs: Lower  

Deductibles: Lower  

Silver 

Premium: Moderate  

Out-of-pocket costs: Moderate 

Deductible: Lower than Bronze plans  

Bronze 

Premium: Lowest

Out-of-pocket costs: Highest

Deductible: Highest 

Every ACA plan covers 10 essential benefits 

  • Prescription drugs  
  • Pregnancy, maternity and newborn care 
  • Pediatric services, including oral and vision care  
  • Mental health and substance use disorder services 
  • Preventive and wellness services, and chronic disease management  
  • Laboratory services   
  • Emergency services 
  • Hospitalization 
  • Ambulatory services  
  • Rehabilitative and habilitative services and devices 

Get started today and find a plan.

Great news — we’ve got plans for you

Visit our simple shopping site to get coverage for 2022 and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan

We’re not in your area … yet

We’ve got plans to bring our ACA individual and family plans to more areas. For now, we want to make sure you’re covered.

Had a big life change? You can still get coverage for 2022. Visit the Health Insurance Marketplace® to shop for plans and see if you qualify for financial help.

Remember to visit the Marketplace on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on HealthCare.gov

Great news — we’ve got plans for you through our relationship with Banner|Aetna

That means you can sign up for ACA individual coverage through Banner|Aetna. Visit their website to check out plan features, shop 2022 plans and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on BannerAetna.com

Great news — we’ve got plans for you through our relationship with Aetna CVS Health

That means you can sign up for ACA individual coverage through Aetna CVS Health. Visit their website to check out plan features, shop 2022 plans and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on AetnaCVSHealth.com

Sign up for updates

We’ll alert you to new information, plan availability, financial help options and more.

Sign up now

Together, better health

Inova and Aetna have partnered to transform the patient health care journey. Through integrated, coordinated team communication and innovative programs, our plans are personalized to fit your needs, at any stage. Discover how we help members achieve their health ambitions, right in their community.

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Legal Notices & Privacy Policies

Health benefits and health insurance plans are offered and/or underwritten by Innovation Health Insurance Company and Innovation Health Plan, Inc. Innovation Health Insurance Company and Innovation Health Plan, Inc. are affiliates of Inova and of Aetna Life Insurance Company and its affiliates (Aetna). Aetna provides certain management services to Innovation Health. Each insurer has sole financial responsibility for its own products. Aetna and CVS Pharmacy®, Inc., which owns CVS® HealthHUB™ locations, and MinuteClinic®, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies. 

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