How a Trusted Agent Simplifies Your Path to Quality Healthcare

1.What is the Affordable Care Act (ACA)?

The Affordable Care Act (ACA), also known as "Obamacare," is a federal law in the United States aimed at expanding healthcare coverage, reducing healthcare costs, and improving the quality of healthcare services.

Getting Coverage Through the Health Insurance Marketplace friendly.

2. Open Enrollment Period

Open Enrollment is from November 1 to January 15 each year. If you enroll by December 15, coverage starts on January 1. If you enroll by January 15, coverage starts on February 1.

3. Special Enrollment Period

Outside of Open Enrollment, you can only get or change coverage if you experience a life change (e.g., marriage, birth of a child) or qualify based on your income. You can apply for Medicaid or the Children's Health Insurance Program (CHIP) at any time, and coverage can begin immediately.

4. Most People Qualify for Savings

People with household incomes between 100% and 400% of the federal poverty level can qualify for subsidies on Marketplace plans. These subsidies may include a premium tax credit to lower monthly premiums, as well as additional savings on out-of-pocket costs like deductibles, copayments, and coinsurance. Even if you don’t qualify for Medicaid, your children may still qualify for CHIP.

5. 10 Essential Health Benefits in All Marketplace Plans

Marketplace plans cover 10 essential health benefits, including prescription drugs, emergency services, hospitalization, lab services, mental health and substance use disorder services, and more. Preventive services are free when you see in-network providers, and all plans cover pre-existing conditions.

6. How to Enroll

A. Visit the Official Website: Go to Healthcare.gov and create an account.

- Fill Out the Application: www. healthcare.gov

- Complete the application with details about your household and income.

B. Connect with an independent insurance agent to assist you in completing your ACA application. 

This service comes at no cost to you, and the agent will provide expert guidance to help you understand your options and select the best plan for your needs. 

Save time, money and find the right plan.

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