What Is Obamacare (Affordable Care Act) Marketplace Coverage?
Health insurance
Mar 20, 2026Yes! Lucie doesn’t add fees to your plan or increase your premiums. You pay the same prices you would anywhere else.
Health insurance
Finding the right plan shouldn’t stress you. Lucie’s tools guide you from the first question to final enrollment for major medical coverage.
What it covers
ACA health insurance is there so you can go to the doctor when you should, not just when you can afford it. Here’s what it covers (and what it doesn’t).
Covered
Doctor visits and hospital care
Most plans cover primary, specialist, hospital, and emergency care (after your deductible).
Prescriptions
Plans cover many medications. Costs may vary by plan.
Preventive care
Most cover annual checkups, vaccines, and basic screenings.
Not covered
Dental and vision care for adults
Most plans require extra coverage or paying out-of-pocket.
Alternative care
Coverage for complementary care is limited or personally funded. Think acupuncture, massage therapy, and chiropractic care.
Fertility care
IVF, egg freezing, and other fertility services may be partially covered or paid out of pocket depending on plan and state.
Plans vary. Be sure to check your policy carefully.
Take the next step
See your savings estimate in seconds
Find out if you qualify for subsidies that lower the cost of ACA coverage.
90%+ qualify for savings¹
Save an average of $550/month¹
No pressure to enroll
Add details to estimate your savings.
This tool provides ACA premium subsidy estimates based on your household income.
luciehealth.com does not collect or store any personal information from individuals using our subsidy calculator.
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Health insurance, actually explained
Everything You Need to Know About Open Enrollment Period for Health Insurance
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What Is a Special Enrollment Period for Health Insurance?
Health insurance
Mar 20, 2026What Is Obamacare (Affordable Care Act) Marketplace Coverage?
Health insurance
Mar 20, 2026Everything You Need to Know About Open Enrollment Period for Health Insurance
Health insurance
Mar 20, 2026What Is a Special Enrollment Period for Health Insurance?
Health insurance
Mar 20, 2026Benefits together. Better for you.
When all your care and coverage options are in one place, you get what's right for you and your budget.
Dental care with a smile
Lucie helps you add dental coverage if that makes sense for you.
- See available plans that match with how often you actually go to the dentist.
- View what’s covered, what’s capped, and when coverage kicks in.
- Know what your plan will likely pay before you sit in the dentist’s chair.
Frequently asked questions
Is Lucie free to use?
Is Lucie free to use?
When can I enroll in health insurance?
When can I enroll in health insurance?
Most people enroll during Open Enrollment. That’s the annual window when anyone can sign up for an ACA plan. Open enrollment changes based on the marketplace for your state, but it's typically at the end of the year.
Missed it? Not necessarily a problem.
You may still qualify for a Special Enrollment Period if you’ve had a life event (like changing jobs, moving, getting married, or having a baby).
Can Lucie save me money?
Can Lucie save me money?
Lucie checks to see if you’re eligible for any subsidies. Subsidies are government discounts that lower your monthly premium or out-of-pocket costs. You get subsidies based on factors like income and household size. And more than 90%1 of people qualify.
Footnotes