ACA- Affordable Care Act Plans
For individuals and families that are not eligible for employer group healthcare plans, this is a fantastic option!
You may have heard of Obama Care plans, Biden Care Plans, Marketplace Plans- these are all one and the same!
With these plans you can use a Government Subsidy or Annual Premium Tax Credit towards the monthly premiums to make them very affordable for individuals and families.
The Subsidy given is based on the estimated income for the year, household size, age and location.
There are restrictions on when you can enroll in these plans. Open enrollment is from November to January every year. Otherwise you need a special enrollment period to enroll outside of open enrollment.
A special enrollment period is available if a person is:
-Losing other health coverage
-Recently Moved
-Recently Married/ Divorced
-Having or Adopting a baby
-or when a special enrollment period is deemed available by the Government, do to a natural or environmental disaster, or income range special enrollment.
These are great options for someone who:
-has preexisting conditions
-will increase their family and needs maternity coverage
-needs mental health coverage
These plans are restricted to a local HMO network, often have limited prescription coverages, and often have high deductibles
Contact Me Today
to find out if an
ACA plan
is a good fit for you!
If you are interested in using my online quoting tool to see for yourself what plan options are available to you- here is my personalized quoting and enrollment link:
https://www.healthsherpa.com/?_agent_id=kjirstin-michl
You can enter your information, get plan options, quote subsidy and premium amounts, and even enroll yourself.
Please contact me if you have any questions or would like valuable information on how to pick the best plan for you and your family.