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Guides

Simple, practical explainers on ACA Marketplace coverage—written by True North Roots.

How $0 Marketplace Plans Work (and Who Qualifies)
3–6 minute read
Open Enrollment vs. Special Enrollment: What’s the Difference?
3–6 minute read
ACA Eligibility Basics: Who Can Get Marketplace Coverage?
3–6 minute read
How Household Size and Income Affect ACA Subsidies
3–6 minute read
What Is the Federal Poverty Level (FPL) and Why It Matters
3–6 minute read
Premium Tax Credits (APTC): How They Lower Your Bill
3–6 minute read
Cost‑Sharing Reductions (CSRs): Lower Copays & Deductibles
3–6 minute read
ACA Metal Tiers Explained: Bronze, Silver, Gold, Platinum
3–6 minute read
Copays, Deductibles, and Coinsurance — How They Work
3–6 minute read
Maximum Out‑of‑Pocket (MOOP): Your Yearly Cap
3–6 minute read
The 10 Essential Health Benefits Every ACA Plan Covers
3–6 minute read
Preventive Care at $0: What’s Included
3–6 minute read
Prescription Coverage Basics: Formularies, Tiers, Generics
3–6 minute read
Network Types Explained: HMO vs. PPO vs. EPO
3–6 minute read
Telehealth Coverage in Marketplace Plans
3–6 minute read
How to Apply for Marketplace Coverage (Step‑by‑Step)
3–6 minute read
Documents You Need for the Application
3–6 minute read
After You Enroll: ID Cards, First Payment, Using Benefits
3–6 minute read
How to Report Income and Life Changes During the Year
3–6 minute read
Renewing or Switching Plans During Open Enrollment
3–6 minute read
Understanding Your Out‑of‑Pocket Maximum (OOP): Why It’s the Most Important Number
3–6 minute read