Expert Help With Affordable Care Act Health Insurance
Licensed Insurance Professional
Navigate ACA marketplace plans with confidence. As a licensed agent I provide personalized guidance at no extra cost to you.
get the coverage you need
- No Pre-Existing Condition Exclusions
- Income-Based Premium Tax Credits
- Essential Health Benefits Covered
Understanding the Affordable Care Act (ACA)
Also known as Obamacare, the ACA makes quality health insurance accessible and affordable for millions of Americans
Essential Health Benefits
All ACA plans cover 10 essential health benefits including doctor visits, hospitalization, prescription drugs, preventive care, maternity care, and mental health services.
No Pre-Existing Conditions
Insurance companies cannot deny coverage or charge higher premiums based on your health history or pre-existing medical conditions.
Financial Assistance
Most people qualify for Premium Tax Credits that lower monthly premiums. Many also qualify for Cost-Sharing Reductions that lower out-of-pocket costs.
Consumer Protections
ACA plans include protections like no lifetime limits on coverage, free preventive care, and the ability to appeal insurance company decisions.
Understanding Premium Tax Credits & Cost-Sharing Reductions
Most people qualify for financial assistance that makes ACA coverage affordable
Premium Tax Credits
Available only with Silver plans, CSRs lower your deductibles, copays, and out-of-pocket maximums.
Income Guidelines (2024):
- Individual:Up to approximately $60,240/year
- Family of 4:Up to approximately $124,800/year
These are approximate figures. Actual eligibility depends on your specific circumstances and is determined when you apply.
Cost-Sharing Reductions (CSR)
Insurance companies cannot deny coverage or charge higher premiums based on your health history or pre-existing medical conditions.
Eligibility Requirements:
- Must enroll in a Silver plan
- Household income below 250% of Federal Poverty Level
- Applied automatically when you qualify
CSRs can significantly reduce your out-of-pocket costs when you need medical care.
How the Enrollment Process Works
Your guided through every step to ensure a smooth, stress-free experience
Contact Us
Reach out by phone, email, or using our contact form. We'll schedule a convenient time to discuss your needs. Sometimes it’s nice to put in text just to get an idea of how text will fill in a space on your website.
Provide Information
We'll gather basic information about your household size, income, and coverage preferences. This helps us identify plans and subsidies you qualify for.
Compare Plans
We'll present you with plan options that meet your needs and budget, explaining the differences in coverage, costs, and provider networks. 4 Sometimes it’s nice to put in text just to get an idea of how text will fill in a space on your website.
Complete Enrollment
Once you've chosen a plan, we'll assist with completing your application and ensuring all information is accurate. 4 Sometimes it’s nice to put in text just to get an idea of how text will fill in a space on your website.
Confirmation & Support
You'll receive confirmation of your coverage and policy documents. We remain available for ongoing support and questions. 4 Sometimes it’s nice to put in text just to get an idea of how text will fill in a space on your website.
Enrollment Periods
Open Enrollment
November 1 - January 15
The annual period when anyone can enroll in or change their ACA health insurance plan.
Special Enrollment Period
Year-Round (with qualifying event)
You may enroll outside Open Enrollment if you experience certain life events:
- Loss of health coverage
- Marriage or divorce
- Birth or adoption of a child
- Moving to a new coverage area
- Change in household income
Frequently Asked Questions
Get answers to common questions about ACA health insurance
ACA plans (also called Marketplace plans) must cover the 10 Essential Health Benefits, cannot deny coverage for pre-existing conditions, and cannot charge more based on health status. They also make you eligible for Premium Tax Credits and Cost-Sharing Reductions if you qualify based on income.
No. Our assistance is completely free to you. Insurance carriers compensate licensed agents, so your premiums remain the same whether you enroll directly through HealthCare.gov or work with us. The benefit of working with us is personalized guidance and ongoing support.
Subsidy eligibility is based on your household income and size. Generally, individuals earning between 100% and 400% of the Federal Poverty Level qualify for Premium Tax Credits. We’ll help you determine your eligibility when we review your application.
It depends on the plan you choose. Each plan has its own provider network. We’ll help you check if your preferred doctors and hospitals are in-network with the plans available to you.
You may still be able to enroll if you qualify for a Special Enrollment Period due to certain life events like losing other coverage, getting married, having a baby, or moving. Contact us to see if you qualify for immediate enrollment.
Yes. All ACA plans must cover prescription drugs as one of the 10 Essential Health Benefits. However, the specific drugs covered and their costs vary by plan. We can help you find a plan that covers your medications at an affordable cost.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. However, we work with multiple major carriers to provide you with a variety of quality options.
Coverage start dates depend on when you enroll and pay your first premium. During Open Enrollment, if you enroll by the 15th of the month, coverage typically begins on the 1st of the following month. Special Enrollment Periods may have different timelines.