2025 Health Plan Grid
| ACA Provision | Public ACA (On-exchange "Obamacare") | Private ACA (Off-exchange) | Short-Term | Employer Group |
Medicaid (Income Qualification) |
Medicare (Age and Disability Qualification) |
Governmental, Military or Tribal |
|---|---|---|---|---|---|---|---|
| Eligible for Government Tax Subsidies |  |
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| Guaranteed issue coverage regardless of health | |
|
Varies | |
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| Pre-existing conditions covered | |
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| ACA Compliant policy limits and cost sharing | |
|
|
|
N/A | N/A | N/A |
| ACA Essential Health Benefits | Public ACA (On-exchange "Obamacare") | Private ACA (Off-exchange) | Short-Term | Employer Group |
Medicaid (Income Qualification) |
Medicare (Age and Disability Qualification) |
Governmental, Military or Tribal |
| Ambulatory | |
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| Emergency | |
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| Hospitalization | |
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| Lab & X-Ray | |
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| Maternity | |
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| Mental/Nervous | |
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| Pediatric Oral Vision | |
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| Prescription | |
|
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| Preventive | |
|
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| Rehabilitation | |
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| Substance Abuse | |
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| Where to enroll | Public ACA (On-exchange "Obamacare") | Private ACA (Off-exchange) | Short-Term | Employer Group |
Medicaid (Income Qualification) |
Medicare (Age and Disability Qualification) |
Governmental, Military or Tribal |
| Government Marketplace | |
|
|
|
N/A | N/A | |
| Nerdy Insurance Agency | |
|
|
|
N/A | N/A | N/A |
| ACA Provision | Eligible for Government Tax Subsidies and Cost Sharing |
|---|---|
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| ACA Provision | Guaranteed issue coverage regardless of health |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | Varies |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| ACA Provision | Pre-existing conditions covered |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| ACA Provision | ACA Compliant policy limits |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
N/A |
| Medicare (Age and Disability Qualification) |
N/A |
| Government / Military / Tribal | N/A |
| Essential Health Benefits | Ambulatory |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Essential Health Benefits | Emergency |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Essential Health Benefits | Hospitalization |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Essential Health Benefits | Lab & X-Ray |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Essential Health Benefits | Maternity |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Essential Health Benefits | Mental/Nervous |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Essential Health Benefits | Pediatric Oral Vision |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Essential Health Benefits | Prescription |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | Varies |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Essential Health Benefits | Preventive |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Essential Health Benefits | Rehabilitation |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Essential Health Benefits | Substance Abuse |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
|
| Medicare (Age and Disability Qualification) |
|
| Government / Military / Tribal | |
| Enrollment | Government Marketplace |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
N/A |
| Medicare (Age and Disability Qualification) |
N/A |
| Government / Military / Tribal | N/A |
| Enrollment | Nerdy Insurance Agency |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
N/A |
| Medicare (Age and Disability Qualification) |
N/A |
| Government / Military / Tribal | N/A |
| Enrollment | Employer |
| Public ACA (On-exchange "Obamacare") | |
| Private ACA (Off-exchange) | |
| Short-Term | |
| Employer Group |
|
| Medicaid (Income Qualification) |
N/A |
| Medicare (Age and Disability Qualification) |
N/A |
| Government / Military / Tribal | N/A |