The Affordable Care Act (ACA)

Health coverage for individuals, families, and small businesses.

What is the ACA Health Insurance Marketplace?

The Affordable Care Act (ACA) is a health care law designed to make quality health insurance more accessible and affordable for everyone. It ensures that all qualifying plans provide "minimum essential coverage."

Key Protections of the ACA:

You cannot be denied coverage or charged more due to a pre-existing health condition.
All plans must cover 10 essential health benefits, including preventive care, emergency services, hospitalization, and prescriptions.

How Can You Buy Health Insurance?

There are several ways to get health care coverage:

Through your employer, if they offer it.
Directly from health insurance companies.
Through the official Health Insurance Marketplace (e.g., HealthCare.gov), which is the only way to get financial assistance.

When You Can Enroll

You can typically only enroll in a new ACA plan during specific times of the year.

Open Enrollment Period

This happens once a year, usually from November 1st to January 15th in most states. This is the main time when anyone can sign up for a new plan for the upcoming year.

Special Enrollment Period (SEP)

You may be eligible to enroll outside of the Open Enrollment window if you experience a Qualifying Life Event. This includes events like losing other health coverage, getting married, having a baby, or moving.

Lowering Your Costs with Financial Assistance

One of the most important features of the ACA is the availability of financial help. Depending on your income and family size, you may qualify for tax credits or other savings, but only if you enroll through the Health Insurance Marketplace.

Premium Tax Credits: These credits lower your monthly insurance payment (your premium). You can have the credit paid directly to your insurance company so you pay less each month.
Cost-Sharing Reductions (CSR): If you qualify, this extra savings lowers your out-of-pocket costs like deductibles and copayments when you use your plan.

We can help you visit HealthCare.gov to see if you qualify for a tax credit before you buy your plan.

Don't Navigate the Marketplace Alone

Choosing the right health plan is a big decision. Our certified agents can explain your options, check for financial help, and guide you through the entire enrollment process at no cost to you.

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This information provides a general overview and is not a guarantee of coverage or eligibility.

By contacting a phone number on this website, you will be directed to a licensed agent.