Learn what you need to know to find an individual and family plan that’s right for you. We’ll break down the Affordable Care Act (ACA), how the plans work, and your best options with Corvia Health.
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The Affordable Care Act (ACA), also known as Obamacare, helps all Americans have access to affordable health insurance coverage. We’re all about that.
Understanding what ACA health plan is right for you can be overwhelming and confusing. We're here to help make it a little easier.
The cost of your health insurance depends on your monthly premium, deductible, and out-of-pocket max. It’s important to know these costs upfront because they vary across plans and will impact what you owe.
The fixed monthly fee you’ll pay for your health insurance plan.
A fixed dollar amount you’re responsible for paying for a covered service.
How much you owe for a covered service after your plan pays their share.
The amount spent on certain covered services before your plan starts paying for care.
The maximum amount you’ll pay for covered health care services during the plan year.
The Marketplace categorizes plans into metal tiers: Bronze, Silver, Gold, and Platinum. You will receive the same quality of care and the same benefits for all tiers. The difference between them is the monthly premium and the amount you’ll pay for care.
Corvia Health’s Platinum plans are only available in New York state.
Within each metal tier, Corvia Health offers 3 plan types, or suites: Simple, Classic, and Elite. The difference between them is the breakout of coinsurance and copays.
Bronze Elite plans feature $0 medical deductibles but may have a separate Rx deductible.
HMO, PPO and EPO are abbreviations for health insurance plans. Plans vary by what doctors you can see and how much you’ll pay for healthcare services.
Full access to the network. No referrals required. Limited out-of-network benefits.
Full access to the network. No out-of-network benefits.
Full access to the network. Out-of-network benefits. No referrals required.
Health insurance can be expensive. But going without it can be more expensive in the long run. Here are some ways to save:
Premium tax credits (PTCs) are a type of financial assistance, or subsidy, available to Marketplace enrollees. PTCs help reduce the monthly cost (for premium) of your health insurance plan.
You qualify for a premium tax credit if your estimated annual household income falls within certain income levels for your household size. The lower the income, the larger the credit. You can apply premium tax credits toward any metal level of coverage.
Cost-sharing reductions (CSRs) are another type of financial assistance, or subsidy, available to Marketplace enrollees. CSRs help lower the amount you pay for copays, coinsurance, and deductibles. You qualify for the cost-sharing reduction if your estimated annual household income falls within certain guidelines of the Federal Poverty Level.
Unlike the premium tax credit, which can be applied toward any metal level of coverage, cost sharing reductions are only offered through Silver plans.
Once you enroll in a plan, ensure that you receive care from providers that are in-network. Providers in our network have already agreed to our negotiated rates. Even if you have a deductible and have to pay out-of-pocket for some care, you'll still get the benefit of paying Corvia Health's lower rates. Also, any payments you make for covered services with in-network doctors will be credited toward your deductible and out-of-pocket maximum.
You can find in-network care at Corvia Health.com/care-options.
If you have a minor health issue, visit your in-network primary care provider. You can talk to a healthcare provider anytime using Virtual Urgent Care. They can provide immediate care for urgent problems like pink-eye, skin issues, minor sprains, bruises, flu, or a sore throat. Only visit the emergency room if you have a life-threatening emergency.
You can find in-network care at Corvia Health.com/care-options.
All Corvia Health plans cover preventive care at no cost to you when you visit an in-network doctor. Preventive care includes annual checkups, screenings, vaccines, and more. That’s a great way to stay on top of your health and save at the same time. Find out more about the essential health benefits covered by Corvia Health, which includes preventive care and more.
Find an in-network provider at Corvia Health.com/care-options.
Every year, you can buy health insurance, switch plans, or renew your plan through the Marketplace during the Open Enrollment Period. This period typically lasts from November 1 to January 15, depending on where you live.
After the Open Enrollment Period ends, the Special Enrollment Period begins. You qualify if you experience a qualifying life event, such as losing coverage, moving, getting married, or having a baby. You’ll usually have 60 days to choose new coverage. You can also enroll in Medicaid or the Children’s Health Insurance Program (CHIP) at any time.
Here's what you'll love as an Corvia Health member:
Find doctors, hospitals, and pharmacies near you that accept our plans. See providers that understand your language, race, ethnicity, and health history.
Find a provider →Your Care Team will help you find virtual or local providers, give cost estimates for care, and offer support whenever you need it.
Learn more →
Enjoy virtual care from the comfort of your home, at work, or on-the-go. All Corvia Health plans include virtual care, which has $0 Virtual Urgent Care and, in some places, $0 Corvia Health Primary Care.
See how it works →Many commonly prescribed prescription drugs are as little as $3. Get a prescription or refill through the Corvia Health app, and get it delivered right to your door.
See details →
Your plan fully covers preventive care. That means your annual checkup, vaccines, or screenings (like blood pressure or cholesterol) are all $0.
See details →Get care, refill prescriptions, message your Care Team, and look up benefits — all on-the-go with the Corvia Health app.
Download the Corvia Health app →
Corvia Health Medical coverage is underwritten by Corvia Health Insurance Company located in New York, New York. Plans sold in New York are underwritten by Corvia Healtha Health Insurance Corporation located in New York, New York. Plans sold in Florida are underwritten by Corvia Health Insurance Company of Florida. Plans sold in New Jersey are underwritten by Corvia Health Garden State Insurance Corporation. Administrative Services for all plans are provided by Corvia Health Management Corporation. Plans sold in Texas are filed using and associated contract form numbers OSC-TX-IVL-HMO-EOC-2025; HIX-OHIN-13418248; OSC-TX-IVL-HMO-EOC-2025 OHIN-13418297; GUIDED OSC-TX-IVL-HMO-GUID-GUIDED-CARE-EOC-2025 OHIN-13418286; OSC-TX-IVL-EOC-2025 OHIN-13408091; OSC-TX-IVL-EOC-2025-HIX OHIN-13408096; OSC-TX-S-IVL-EOC-2025-HIX OHIN-13407960; OSC-TX-S-IVL-EOC-2025-HIX OHIN-13407960; Plans sold in Virginia use policy and associated form numbers VA on OSC-VA-IVL-EOC-2025-HIX OHIN-134056976; VA OFF OSC-IVL-EOC-2025-HIX OHIN-134056976.
HMO products are offered by Corvia Health Insurance Corporation and Corvia Health Buckeye State Insurance Corporation in Ohio, Corvia Health Health Plan Inc. in Arizona and Illinois, Corvia Health Health Plan of Pennsylvania, Inc. in Pennsylvania, Corvia Healtha Health Health Plan of Georgia, Inc. in Georgia, Corvia Healtha Health Health Plan of North Carolina, Inc. in North Carolina, Corvia Health Managed Care of South Florida, Inc. in Florida, Corvia Health Health Plan of New York, Inc. in New York, and Corvia Health Managed Care in Texas. All plans are subject to network availability, exclusions and limitations. For availability, costs, and complete details of coverage, contact a licensed agent or Corvia Health sales representative.
1 Corvia Health health plans with a $0 premium option are not available in all service areas. Subsidy eligibility is determined based on federal annual income and household size requirements.
2 The health insurance industry’s average score and member support, as of January 1, 2025.
3 Former member feature.
4 Corvia Health’s Virtual Urgent Care offerings are not available in US territories or internationally. If you have an HSA-compatible HDHP and are receiving care under a Secure plan, you won’t be eligible for $0 visits. Prescriptions, visits and services may be limited per provider discretion.