Question 1

What is the ACA subsidy cliff?

Accepted Answer

It's the income line — 400% of the federal poverty level — above which ACA Marketplace households receive zero premium tax credit. Enhanced subsidies that removed this cliff expired at the end of 2025.

Question 2

Where can I read more about this?

Accepted Answer

See our full state-by-state breakdown on the ACA / Marketplace State Averages page, sourced directly from KFF.

Question 3

How do you decide if I'm a good fit for a private plan?

Accepted Answer

Mainly your health history and age. Private plans are medically underwritten, so they work best for generally healthy applicants without major ongoing conditions.

Question 4

Will my premium change every year?

Accepted Answer

Yes, plans can reprice at renewal based on age and, in some cases, claims experience. Your advisor reviews alternatives with you each renewal.

Question 5

Are pre-existing conditions covered?

Accepted Answer

Typically no. Medically underwritten private plans generally exclude pre-existing conditions. If you have significant ongoing care needs, a subsidized ACA plan is usually the better choice.

Question 6

Do these plans meet the ACA's requirements?

Accepted Answer

Some do, some don't — it depends on the product. We'll tell you plainly which ACA protections apply to any plan we show you before you enroll.

Question 7

Can I add dental and vision?

Accepted Answer

Yes, standalone or bundled dental and vision plans are available and often discounted when paired with a medical plan.

Question 8

Do I have to wait for open enrollment?

Accepted Answer

Only for ACA Marketplace plans, unless you have a qualifying life event. Most private plans can be enrolled in any time of year.

Question 9

How fast can I be covered?

Accepted Answer

Many private plans activate within a few business days of approval. ACA plans follow standard marketplace effective-date rules.

Question 10

What does this cost me?

Accepted Answer

Nothing extra — carriers pay our commission, so our advice doesn't cost you more than buying direct.

Question 11

Is Care Collective Advisors part of the government Marketplace?

Accepted Answer

No. We're an independent brokerage. We can help with ACA Marketplace plans and private alternatives, and show you both honestly.

Question 12

What states do you serve?

Accepted Answer

Our advisors are licensed across most states — tell us your ZIP code and we'll confirm coverage availability for your area.

Question 13

What if my income situation changes?

Accepted Answer

Let us know. We can help you move between ACA and private coverage as your eligibility changes throughout the year.

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Frequently asked questions

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