Affordable Care Act Plans

You might be familiar with Affordable Care Act (ACA) plans under different names like major medical coverage, comprehensive insurance, or even referred to as “Obamacare”. These plans adhere to all ACA regulations and are usually the most extensive options available. These plans can prevent you from facing overwhelming expenses when facing situations such as a medical crisis. ACA plans offer coverage for a wide range of medical services and can help you save money on regular doctor appointments, medications, and preventive treatments.

When can you apply?

You can apply for medical coverage during the Open Enrollment Period, scheduled from November 1, 2025 to December 15, 2025. Outside of this yearly period, you will need a Special Enrollment Period. This special timeframe is available to individuals who have experienced specific life events such as loss of health insurance, relocation, marriage, childbirth, adoption, or meeting certain income criteria.

Estimate your MAGI income

The marketplace savings are based on your household's total income for the year you want coverage. Total income including yours, your spouse's, and any dependents' income claimed on your federal tax return. It's crucial to include all incomes, even if they don't need health insurance.

The Family Glitch

Employer-sponsored insurance can often provide excellent advantages, yet the expense may still be prohibitive for employees, especially when it comes to adding family members. In 2023, the IRS finalized a new regulation addressing the "family glitch," enabling individual employees and their dependents to qualify for subsidies through the Marketplace. Contact us to determine if you or your dependents are eligible.

What is a Advanced Premium Tax Credit?

The Affordable Care Act (ACA), enacted in 2010, aims to make health insurance more affordable and accessible. It prevents insurers from denying coverage or charging higher premiums for pre-existing conditions. The Advanced Premium Tax Credit, or "subsidies," helps eligible individuals and families with low incomes buy health coverage through the Marketplace. The credit amount is based on income, age, and location. Contact us to check your eligibility for a tax subsidy.

Short Term Coverage

Temporary health coverage provides insurance during plan transitions or to enhance your existing policy with additional benefits.

Vision & Dental

Protect your health with our dental and vision insurance plans. Enjoy quality care for a bright smile and clear vision.

No Cost Consultation

The Marketplace has specific periods for enrollment, but there are also Special Enrollment Periods (SEP) available. You might be eligible if you've recently relocated, experienced a change in income or family circumstances, find employer health plans unaffordable, or have recently lost your insurance. Contact us for a complimentary consultation to explore your circumstances and the options available to you.

Marketplace Plan Quote