Health Insurance

Open Enrollment For The Affordable Care Act Is Going On Now And Will End On January 15th

During this time you can enroll in a new health insurance plan or make changes to your current plan. New insurance companies have joined the marketplace which should lower costs for everyone.

In addition individuals and families can receive tax subsidies based on income and family size which will reduce the monthly cost of their health insurance. Outside of open enrollment, people can still buy health insurance if they met one or more of the following qualifying events:

  • Marriage or divorce
  • Loss of other coverage for reasons other than non-payment of premium
  • Moving out of your current insurance carrier’s service area
  • Expiration of COBRA coverage
  • Turning 26 and losing your parents coverage

There are short term medical plans available that can be purchased for the time between open enrollment periods, however these plans are medically underwritten and will not cover pre-existing conditions.

If you have questions, would like more information, or a no-obligation quote, please call us at: 888-267-2656 or email us at: or click the link below.

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Frequently Asked Questions

Obamacare is the nickname for the law titled ‘The patient Protection & Affordable Care Act’. This law covers all health insurance policies sold in The U.S.A. today. The requires insurance companies to offer coverage to anyone legally in the country regardless of their health conditions.

Generally yes if your insurance company continues to offer that plan but if they discontinue that plan then you will need to choose a new one.

As of Jan. 1st 2019, there is no longer a tax penalty for not having health insurance.

Yes, Obamacare prohibits Insurance Companies from asking any health questions when you apply for coverage.

No, nor can they place any pre-existing limitations on your coverage. Once the policy is issued any health conditions are covered day 1.

No, and they cannot charge your more if you have had claims.

People earning below 400% of the Federal Poverty level can receive help in paying their monthly premiums. A single person can have an income up to $44,000 and a family of four up to $88,000 and still receive assistance.

Just click on the “get a Free Quote” button here on this page. You will be able to enter your household income to see what your actual cost would be after the assistance is applied.

Open Enrollment for Obamacare generally runs from November 15th to January 31st each year and you must sign up then.

Generally, no, not unless you have a life changing event such as getting married, moving or losing other coverage for reasons other than non payment.

Please give us a call toll-free at 888-267-2656, we are Licensed Insurance Brokers and certified by the Federal Government to assist people who wish to enroll in an Obamacare plan.