Sacramento, CA 95826 By appointment, seven days a week
ronkadv1@gmail.com (279) 599-3752
Ron Kinnersley Insurance
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Health / ACA | Covered California

Find out what a plan costs you, after the credit.

Affordable Care Act Marketplace plans are the individual and family health plans sold through the exchange, with premium tax credits set by your household income and size. California runs its own exchange, Covered California, and the plans available to you are set by the county you live in.

(279) 599-3752

Written and reviewed by Ronald L Kinnersley, Licensed Independent Insurance Agent, NPN 2561874. Last reviewed August 6, 2026.

Your options

Start with your ZIP code

Insurers sell Marketplace plans county by county, so your ZIP decides which ones you can actually buy. Household size and income decide the credit on top of that. Those four answers are enough for Ron to tell you what a plan costs you, not what it costs before the credit.

  • ✓ Bronze through Platinum compared on real out of pocket cost
  • ✓ Premium tax credit checked before you enroll
  • ✓ No added cost for using an agent, the carrier pays him

Any figure named on this site is a sample estimate for illustration only, not a quote or an offer of insurance. Ron prices your actual policy after a short conversation.

What Ron helps with

The sticker price is not the price you pay.

Marketplace plans are sold by private carriers under federal rules, in tiers that trade a lower monthly premium against a higher deductible. What decides your real cost is the premium tax credit, and that turns on household income and size, not on the tier.

Comparing coverage tiers

Bronze, Silver, Gold and Platinum plans move cost between the monthly premium and what you pay when you actually use care. The cheapest premium is frequently the most expensive plan.

Checking your premium tax credit

Many households qualify for a credit that lowers the monthly cost. Ron checks this before you enroll rather than after.

Enrollment windows

Enrollment is generally limited to the annual open enrollment period unless you have a qualifying life event, such as losing other coverage, marrying or having a child.

Why the ZIP comes first

Your county decides which plans exist at all.

Insurers file Marketplace plans county by county, so two households on the same income in different parts of California see different plans and different prices. That is why the first question on this page is your ZIP code and not your age.

It is also why a quote you got from a national comparison site may list a plan you cannot actually buy. Ron works from the Covered California plan set for your county.

Where Ron places this

ACA Marketplace Health Plans across the Sacramento metro

ACA Marketplace Health Plans in Elk GroveACA Marketplace Health Plans in RosevilleACA Marketplace Health Plans in FolsomACA Marketplace Health Plans in Rancho CordovaACA Marketplace Health Plans in Citrus HeightsACA Marketplace Health Plans in Rocklin
Other coverage

Other coverage Ron places

Small whole life

Final Expense Insurance

A small whole life policy that pays funeral and burial costs in cash to the person you name, with a premium that does not climb as you age.

  • ✓ Simplified underwriting, usually no medical exam
  • ✓ Benefit paid to your beneficiary, not the funeral home
  • ✓ Premium generally level for the life of the policy
See final expense rates →
10, 20 or 30 years

Term Life Insurance

The most coverage per dollar for the years your family would feel a lost income hardest, at a premium locked for the whole term.

  • ✓ Premium locked for the full length of the term
  • ✓ Term matched to a payoff date or a child's age
  • ✓ Many policies convert later without new underwriting
See term life rates →
Permanent coverage

Whole Life Insurance

Coverage that stays in force for the rest of your life while a portion of every premium builds cash value inside the policy.

  • ✓ In force for life as long as premiums are paid
  • ✓ Part of every payment builds cash value
  • ✓ Premium generally fixed, so it does not climb with age
See whole life rates →
Sized to your loan

Mortgage Protection Insurance

A term policy sized to what you still owe on the house, paid to your family rather than to the lender so they can stay put.

  • ✓ Benefit goes to your family, not to the bank
  • ✓ Term set to your payoff date, not a round number
  • ✓ Stacks on top of life insurance you already own
See mortgage protection rates →
Questions

ACA and Marketplace questions

Does it cost anything to use an agent for ACA enrollment?
No. Agents are compensated by the carrier, so there is no added cost to you for enrollment help.
What are the ACA coverage tiers?
Marketplace plans are grouped into Bronze, Silver, Gold and Platinum tiers, which trade a lower monthly premium against a higher deductible, or the reverse.
Can I enroll any time of year?
Generally enrollment is limited to the annual open enrollment period, unless you qualify for a special enrollment period after a qualifying life event such as losing other coverage, marriage or having a child.
How do I know if I qualify for a premium tax credit?
Eligibility depends on household income and size relative to federal guidelines. Ron can check this with you directly before you enroll.
Do Californians use healthcare.gov?
No. California runs its own state exchange, Covered California, so that is where individual and family Marketplace plans are bought.

See what a plan costs after the credit

Your ZIP, your household and your income, and Ron comes back with what you would actually pay.

(279) 599-3752