Can I get subsidy for my health plan?

​What is the ACA Health Plan? The Affordable Care Act (ACA), also known as “Obamacare”, makes health insurance cheaper and more accessible for those under 65.

Who is eligible? If you are under age 65, you might qualify for subsidies to help pay for your monthly premiums based on certain criteria. In some cases, having an ACA health plan could even be cheaper than an employer's coverage plan, if your situation qualifies for that change.

​Unfortunately, the ACA health plans are not available for veterans, as they have their own VA networks.

​​​​

FREE HELP with Finding the Right Plan for You and Your Family

Even if you don't qualify for health insurance subsidy, we offer unbiased guidance and assistance in finding the right health plan for you and your family. As independent brokers, we have access to a number of the top-rated health insurance companies. Therefore, we are not like one company trying to promote their products/plans; we are brokers who work on behalf of the client to help them find their right plan among the many insurance companies out there.

​Contact us to see if you qualify for a subsidy or even just to compare prices and benefits among the different health insurance companies.

Did you know?

​With the ACA Health Plan:

1. Many young adults can stay on their parents’ medical insurance plans until they’re 26.

2. You can’t be denied insurance due to a pre-existing health condition (ie. cancer) when shopping for coverage.

3. There is no preset dollar limit on your health coverage.

4. With an ACA plan, certain healthcare services are free, such as colonoscopies, cholesterol and blood pressure checks, birth control, routine vaccinations, and several other services.

5. Every health care plan must include coverage for the following:

• Hospitalization

• Ambulatory Services

• Emergency Services

• Maternity and Newborn Care

• Services for Mental Health Disorders and Substance Abuse

• Prescription Drugs

• Lab Tests

• Chronic Disease Management and Vaccinations

• Pediatric Dental and Vision Care

• Rehabilitative and “Habilitative” Services

​Enrollment periods.

Typically, from Nov 1 to Jan 15

You can enroll or change your health insurance. If you miss this period, you might qualify for a SEP.

SEP (Special Enrollment Period)

You qualify for Special Enrollment if you, or someone in your household, recently experienced certain life events -- such as losing health coverage, changing jobs, getting married/divorced, having a child, or moving, loss of eligibility for Medicaid, death of a family member, change in disability status, etc.

The SEP is only for 60 days.

Contact us for any questions. Our goal is that you are educated and well-informed. We are here to answer your concerns at no cost and without pressure to apply or commit. We give you our word.