Most people qualify for low-cost ACA coverage.
8 out of 10 people pay $0–$5/month
The Affordable Care Act (ACA), sometimes referred to as Obamacare, is a law passed in 2010 that provides individuals and families greater access to affordable health insurance options.
Why the ACA exists.
Expand access
Make affordable health insurance available to more people, regardless of income or employment status.
Improve quality of care
Ensure that all health plans meet minimum standards for coverage and consumer protections.
Reduce healthcare costs
Lower long-term healthcare spending through preventive care, tax credits, and cost-sharing reductions.
Essential health benefits included in every plan.
All ACA-compliant health plans are required to cover these essential services.
Primary care doctor visits
Mental health services
Hospitalization
Outpatient procedures
Pregnancy and newborn care
Urgent care visits
Prescription drugs
Specialist visits
Pediatric care
Preventive and wellness services
The ACA protects you.
Pre-existing conditions covered
No insurance plan can reject you, charge you more, or refuse to pay for any health condition you had before your coverage start date.
No lifetime or annual limits
Insurance companies can no longer set a dollar limit on what they cover for your healthcare during the entire time you are enrolled.
Free preventive care visits
All Marketplace health plans must cover preventive care services without charging you a copay or coinsurance.
Young adults stay covered
Adults under 26 can remain on their parent's health insurance plan, even if they are married, financially independent, or no longer living at home.
When you can enroll.
Open Enrollment Period
Open Enrollment Period
During this time, anyone who meets the requirements can apply and qualify for health coverage. You can enroll for the first time, re-enroll, switch plans, or make changes.
- Enroll in a plan for the first time
- Re-enroll in your current plan
- Switch to a new plan
- Make changes to your existing coverage
Special Enrollment Period
Special Enrollment Period
Outside of open enrollment, you can only enroll or make changes if you qualify for a Special Enrollment Period (SEP). Qualifying life events include:
- Getting married or divorced
- Having a baby or adopting a child
- Losing other health coverage
- Moving to a new address
- Being denied Medicaid or CHIP
- Household income below 150% of the federal poverty level
You may pay less than you think.
Individuals and families with low to moderate income can receive premium tax credits to lower monthly costs and cost-sharing reductions to lower out-of-pocket expenses.
Premium tax credits
Monthly subsidies that lower your insurance premium based on your income and household size.
Cost-sharing reductions
Extra savings that lower the amount you pay for deductibles, copayments, and coinsurance.
Zero-premium plans
Many of our clients qualify for plans with $0 monthly premiums and $0 doctor visits through the Marketplace.
Find out what you qualify for.
Our licensed agents will help you understand your options and enroll at no cost to you.