Care for the caregivers
who care for little ones.

Almost certainly yes. ACA premium tax credits are based on your expected annual income. Most hourly nannies fall well within the subsidy range, and many qualify for cost-sharing reductions on top - meaning lower deductibles and copays. We'll calculate your exact subsidy when we run your quote.

You have the same options as any self-employed person: the ACA marketplace. Plans are guaranteed-issue (no medical underwriting), and subsidies make them affordable for hourly workers. We compare every plan available in your ZIP and show you what each one actually costs after your subsidy.

Yes. Family childcare providers are self-employed for tax and insurance purposes. That makes you eligible for marketplace plans and ACA subsidies based on your net business income. If you have employees, you may also qualify for small-business group plans.

Most ACA plans include physical therapy as an essential health benefit. Chiropractic coverage varies by plan and state - we flag which plans include it before you enroll. Lifting children all day is real work, and we make sure your plan reflects that.

Yes. Pregnancy is a qualifying life event in many states, and maternity care is a guaranteed essential benefit on every ACA plan. You cannot be denied or charged more for being pregnant. We'll get you enrolled fast.

Mental health and substance-use coverage is required on every ACA plan at parity with medical coverage. That means therapy, counseling, and psychiatric care are covered the same way as a doctor visit. We'll show you which plans have the broadest in-network therapist directories.

Yes. You can add your spouse and dependent children to any marketplace plan, and your household subsidy is calculated on total family income. Children under 19 also get pediatric dental and vision included by law.

Subsidies are based on your estimated annual income. If your income changes mid-year, you can update it on the marketplace and your subsidy adjusts. At tax time, the IRS reconciles based on your actual income. We help you estimate conservatively so there are no surprises.