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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 Open Enrollment, November 1–December 15, 2026, for coverage starting January 1. Enrollment remains open through January 15 for a February 1 start date. Outside Open Enrollment, you may qualify for a Special Enrollment Period due to life events such as losing coverage, moving, marriage, childbirth, adoption, or certain income changes.
What is MAGI and how to calculate it?
Modified Adjusted Gross Income (MAGI) is a measure of income used to determine eligibility for certain health coverage programs and tax benefits.
To calculate just start with your Adjusted Gross Income (AGI) from your federal tax return, then add back certain types of income or deductions, depending on the program. For Marketplace health coverage, MAGI generally includes wages, self-employment income, unemployment benefits, Social Security benefits, and other taxable income, plus tax-exempt interest and certain non-taxable Social Security income.
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 Modified Adjusted Gross Income, age, and location. Contact us to check your eligibility for a tax subsidy.
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.
If the employer’s lowest-cost family health plan exceeds 9.96% of household income in 2026 or 10.22% in 2027, the employee’s spouse and children may qualify for advance premium tax credits through the Marketplace.
Get a Quote
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.
Enroll in Short-Term Coverage or Add Dental & Vision
Temporary health coverage provides insurance during plan transitions or to enhance your existing policy with additional benefits.
Protect your health with our dental and vision insurance plans. Enjoy quality care for a bright smile and clear vision.