/* global React */
const { SectionHeading, Button, Icon } = window.MissionInsurancePartnersDesignSystem_445ed5;

function ACAPage() {
  const { Section, PageHero, DataTable, Accordion, ProcessRow, CheckList, CtaBand, DiagImage, PageFooter, FeatureCard } = window;
  return (
    <>
      <PageHero eyebrow="ACA Health Coverage Made Simple" title="Coverage before 65,"
        accent="made simple."
        lead="Insurance shouldn't feel out of reach just because you're under 65. The ACA Marketplace offers modern, federally regulated plans with built-in protections — and, thanks to subsidy expansions, record-low premiums for many households."
        ctaLabel="Schedule Your Free Call" image={window.PHOTOS.acaMarket} />

      {/* What the marketplace is */}
      <Section bg="tint">
        <div className="mip-hero-grid" style={{ display: "grid", gridTemplateColumns: "1.05fr 0.95fr", gap: "var(--space-8)", alignItems: "center" }}>
          <div>
            <span style={window.eyebrowStyle}>The Basics</span>
            <h2 style={{ fontFamily: "var(--font-display)", fontSize: "var(--fs-h1)", color: "var(--navy-900)", margin: "0.6rem 0 1rem", letterSpacing: "-0.02em" }}>What the ACA Marketplace really is</h2>
            <p style={{ fontSize: "var(--fs-lead)", color: "var(--text-body)", lineHeight: "var(--lh-snug)", margin: "0 0 1.25rem" }}>The Marketplace (HealthCare.gov or your state exchange) is a one-stop shop for private plans that must include 10 essential health benefits — from hospitalization and prescriptions to mental-health care and free preventive services.</p>
            <CheckList items={[
              "<strong>No medical underwriting.</strong> Pre-existing conditions are covered from day one.",
              "<strong>Annual out-of-pocket cap.</strong> In 2025, no ACA plan can make you spend more than <strong>$9,200</strong> (individual) or <strong>$18,400</strong> (family) on in-network care.",
            ]} />
          </div>
          <DiagImage src={window.PHOTOS.acaSubs} alt="Family reviewing marketplace plans" clip={window.DIAGONAL} minHeight={400} />
        </div>
      </Section>

      {/* Subsidies */}
      <Section bg="page">
        <SectionHeading eyebrow="Affordability" title="How subsidies keep premiums affordable" />
        <div className="mip-grid-3" style={{ display: "grid", gridTemplateColumns: "repeat(3,1fr)", gap: "var(--space-5)", marginTop: "var(--space-8)" }}>
          <FeatureCard icon="shield-check" title="Enhanced tax credits">Through the Inflation Reduction Act, enhanced premium tax credits remain in place through the end of 2025.</FeatureCard>
          <FeatureCard icon="bar-chart-3" title="The 8.5% cap">Nobody has to pay more than 8.5% of household income for the benchmark Silver plan — the old "subsidy cliff" is gone until then.</FeatureCard>
          <FeatureCard icon="wallet" title="Who qualifies">Middle- and even upper-middle-income families often qualify for help — and the lower your income, the bigger the discount.</FeatureCard>
        </div>
      </Section>

      {/* Metal tiers */}
      <Section bg="tint">
        <SectionHeading eyebrow="Metal Tiers at a Glance" title="Pick the level that fits your care" lead="Every tier covers the same core benefits — the difference is how you split costs with the plan." />
        <div style={{ marginTop: "var(--space-8)" }}>
          <DataTable columns={["Tier", "Plan pays (actuarial value)", "You pay", "Typical use-case"]} highlight={0}
            rows={[
              ["Bronze", "~60%", "Lowest premiums, highest cost-sharing", "Healthy, want catastrophic protection"],
              ["Silver", "~70% (73–94% with CSR subsidies)", "Moderate premiums &amp; cost-sharing", "Balanced option; required for extra savings"],
              ["Gold", "~80%", "Higher premiums, low cost-sharing", "Frequent care or chronic conditions"],
              ["Platinum", "~90%", "Highest premiums, very low cost-sharing", "Predictable costs, heavy medical use"],
            ]} />
        </div>
      </Section>

      {/* Key dates */}
      <Section bg="page">
        <SectionHeading eyebrow="Key Dates & Special Windows" title="When you can enroll" />
        <div style={{ marginTop: "var(--space-8)" }}>
          <DataTable columns={["When", "What happens"]}
            rows={[
              ["Nov 1 – Jan 15", "Federal Open Enrollment. Choose or change plans for the coming year."],
              ["By Dec 15", "Enroll to start coverage Jan 1."],
              ["Special Enrollment", "Enroll within 60 days of a major life event — loss of job coverage, move, marriage, birth/adoption."],
            ]} />
        </div>
      </Section>

      {/* Myths */}
      <Section bg="tint">
        <SectionHeading eyebrow="Common Myths — Debunked" title="Setting the record straight" />
        <div style={{ marginTop: "var(--space-8)", maxWidth: 860, marginInline: "auto" }}>
          <Accordion items={[
            { q: "\u201CMarketplace plans are junk insurance.\u201D", a: "All plans cover the same core benefits set by law and cap your annual costs." },
            { q: "\u201CI make too much for subsidies.\u201D", a: "For 2025, tax credits are available well above 400% of the federal poverty level because the 8.5% income cap applies to everyone." },
            { q: "\u201CBronze = cheapest overall.\u201D", a: "Low premiums can be wiped out by high deductibles if you have frequent care needs — always check total annual cost, not just the price tag." },
          ]} />
        </div>
      </Section>

      {/* How MIP helps */}
      <Section bg="page">
        <SectionHeading eyebrow="How Mission Insurance Partners Helps" title="Your subsidy, maximized" lead="Our service is free; carriers pay us, never you. Because we're carrier-agnostic, the only metric that matters is whether the plan fits your life." />
        <div style={{ marginTop: "var(--space-8)" }}>
          <ProcessRow steps={[
            { title: "30-Minute Discovery Call", body: "We review your doctors, prescriptions, and budget." },
            { title: "Subsidy Maximizer Report", body: "We estimate your tax credit and cost-sharing reductions for each metal tier." },
            { title: "Plan Match & Comparison", body: "Real-world costs over 12 months, not teaser premiums." },
            { title: "Enrollment & Beyond", body: "We file the application, resolve document requests, and monitor changes so you stay covered." },
          ]} />
        </div>
      </Section>

      <CtaBand title="Ready for clarity?" lead="Skip the maze — talk to an advisor with 100+ years of combined experience who works for you, not the insurer." />

      <window.Disclaimer>
        <span>Mission Insurance Partners is not affiliated with or endorsed by any government agency. We do not offer every plan available in every state.</span>
        <span>Please visit HealthCare.gov or your state Marketplace to see all options.</span>
      </window.Disclaimer>
      <PageFooter />
    </>
  );
}
window.ACAPage = ACAPage;