Family Health Plans

One Plan That Covers Everyone You Love

Family ACA plans cover you, your spouse, and your children under a single policy — with benefits designed to keep your whole household protected.

Family coverage highlights

Built for Families, Priced for Real Budgets

Pediatric Coverage

All ACA plans include dental and vision coverage for children under 19 — built in, not optional.

Household Subsidies

Your subsidy eligibility is based on total household income, which can make family plans surprisingly affordable.

Hospital & ER

Inpatient and emergency care for every covered family member — no separate policies needed.

Preventive Care

Annual checkups, vaccinations, and screenings covered at no cost for the whole family.

Children's coverage is often free

Under CHIP and ACA rules, many families qualify for free or near-free coverage for their kids regardless of income. Ask our agents about your options.

Can I add my spouse and kids to my plan?

Yes. A single ACA family plan can cover you, your spouse, and all dependent children under 26.

What if my kids already have coverage through CHIP?

They can stay on CHIP. You don't need to move them to a Marketplace plan — our agents can help you figure out what makes the most sense for your family.

Does having more kids make my plan more expensive?

Under ACA rules, you're only charged for up to 3 children under 21 — additional children are added at no extra premium cost.

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