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Marketplace plans, also known as Affordable Care Act (ACA)/”Obamacare”, provide coverage for all pre-existing conditions from day 1, without yearly limits on certain essential health benefits. If you qualify for low-income government subsidies or have pre-existing conditions that require medical care or prescriptions a marketplace plan may be a good option.
Private plans are an affordable option for people who don’t need coverage for maternity, mental health, substance abuse, or pre-existing conditions. Private plans typically offer more affordable rates and broader networks than marketplace plans - giving you more options at a lower cost.
