About our Marketplace role: Janowski Insurance Services is a licensed insurance producer registered with the federally facilitated Marketplace (HealthCare.gov) to assist consumers with enrollment in Qualified Health Plans. Eligibility for premium tax credits and cost-sharing reductions is determined by the Marketplace; final coverage and premium are determined by the issuing carrier. See our Disclosures page for licensing details.
ACA Marketplace plans are health insurance policies sold under the Affordable Care Act. They're available to individuals and families who don't have qualifying coverage through an employer, Medicaid, or Medicare. In Virginia, plans are sold through HealthCare.gov.
Marketplace plans come in four metal tiers — Bronze, Silver, Gold, and Platinum — that differ in how costs are split between premium and out-of-pocket spending. Most enrollees qualify for a premium tax credit based on household income, and many also qualify for cost-sharing reductions on Silver plans. We help you compare plans, verify networks and prescriptions, and apply any subsidies you're eligible for.
Why choose our ACA guidance
ACA Marketplace plans look similar at a glance, but the differences in network, prescription coverage, and after-subsidy cost can be significant. We work through plan options with you so the comparison reflects what you'll actually pay and what's actually covered.
Subsidy-aware plan comparison
We calculate your premium tax credit and any cost-sharing reduction before recommending a plan, so the comparison reflects your real cost — not the sticker price.
Network and prescription verification before enrollment, not after.
Special Enrollment Period assistance when life events trigger mid-year changes.
Our key benefits
Choosing a Marketplace plan involves balancing the monthly premium against what you'll pay when you actually use care — deductibles, copays, and the annual out-of-pocket maximum. The right metal tier depends on how much care you expect to use and how much risk you can absorb.
Cost-sharing reductions on Silver plans can change the math. For households below a certain income threshold, Silver becomes the most cost-effective tier on a per-benefit basis. We run the numbers with you before you enroll.
Subsidy Guidance
We model your premium tax credit and any cost-sharing reduction before you choose a plan.
Network Verification
We confirm your doctors, hospitals, and prescriptions are in-network.
Year-Round Support
We handle Special Enrollment Periods, renewals, and 1095-A questions long after enrollment closes.
Frequently asked questions
Find clear and helpful answers to the most common questions about our insurance plans, coverage options, claims process, and policy terms. This section is designed to provide quick guidance and clarity, helping you make informed decisions with confidence.
Marketplace plans are available to U.S. citizens and lawfully present residents who aren't enrolled in Medicare and don't have access to qualifying employer coverage. Income level affects whether you qualify for a premium tax credit, but it doesn't affect your eligibility to enroll.
No. Agent compensation is paid by the insurance carrier, not added to your premium. Your monthly cost is the same whether you enroll on your own or with a licensed producer.
The metal tiers describe how costs are split between premium and out-of-pocket spending. Bronze plans have lower premiums and higher deductibles; Platinum plans are the reverse. Silver plans are the only tier eligible for cost-sharing reductions, which can reduce deductibles, copays, and out-of-pocket maximums for qualifying enrollees.
Open Enrollment runs from November 1 through January 15 each year. Outside of Open Enrollment, you can enroll during a Special Enrollment Period if you've had a qualifying life event — losing other coverage, moving, getting married, having a baby, or certain income changes.
Report income changes to the Marketplace as they happen. Your premium tax credit is based on estimated annual income, and the IRS reconciles it on your tax return. Reporting changes promptly helps avoid owing money back at tax time or missing out on a larger subsidy.
Open Enrollment: Nov 1 – Jan 15
Pre-existing conditions covered
Subsidies for incomes 100–400%+ of FPL