Obamacare 2024

We Help You Get Covered

HOW TO GET STARTED

We Make Enrollment Easy

• We Shop

We’re here to help you find the right healthcare plan that fits your budget.

• We Enroll

We’ll help you apply for subsidies and enroll in a plan.

• We Upload

We’ll help you identify and upload all required documents to complete the enrollment.

What Is Affordable Care ACT (ACA/OBAMACARE)?

The correct name for OBAMACARE is Affordable Care Act (ACA). The Affordable Care Act (ACA) is a health care reform law enacted in March 2010. The law provides consumers with subsidies that lower health insurance costs for households with incomes between 100% and 400% of the federal poverty level, expands Medicaid, expands employer coverage, and reforms the healthcare industry.

Metal Level

Under the ACA, health plans are ranked according to metals where the plans are ranked bronze, silver, gold, and platinum. Bronze has the lowest premiums and highest cost sharing, platinum has the lowest cost sharing and highest premiums.

Qualifying For The Coverage Outside of Open Enrollment

A special enrollment period is a period outside of open enrollment in which you can get coverage due to qualifying life events. Below is a more detailed list, but in short here is a quick list of qualifying life events from HealthCare.Gov:

Losing existing health coverage, including job-based, individual, and student plans, Medicare, Medicaid, or CHIP
Turning 26 and losing coverage through a parent’s plan
Changes in household like getting married or divorced, having a baby or adopting a child, or death in the family
Changes in residence address
Other qualifying events
Changes in your income that affect the coverage you qualify for
Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
Becoming a U.S. citizen
Leaving incarceration (jail or prison)
AmeriCorps members starting or ending their service

FPL Chart - 2024 Plan Year

The FPL (Federal Poverty Level) Chart is used to determine 2 important things. Under the ACA (Affordable Care Act), if a household falls between 100% and 400% of the FPL, they may be eligible for subsidies (tax credits) to help them pay their monthly premiums.

Qualifying For The Coverage Outside of Open Enrollment

Losing existing health coverage, including job-based, individual, and student plans, Medicare, Medicaid, or CHIP
Turning 26 and losing coverage through a parent’s plan
Changes in household like getting married or divorced, having a baby or adopting a child, or death in the family
Changes in residence address
Other qualifying events
Changes in your income that affect the coverage you qualify for
Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
Becoming a U.S. citizen
Leaving incarceration (jail or prison)
AmeriCorps members starting or ending their service