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Are you tired of feeling lost and overwhelmed when it comes to finding an affordable health insurance plan? Do you dread the high monthly premiums and limited coverage options that seem to be the norm in today’s healthcare landscape? Well, you’re not alone. The struggle is real for many individuals and families who are trying to secure quality healthcare without breaking the bank.

But fear not, because I have a secret to share with you that insurance companies don’t want you to know: Open Enrollment and the ACA Health Insurance Marketplace.

Unlock the Gateway to Affordability: Open Enrollment

Open Enrollment is your golden ticket, your once-a-year opportunity to throw the doors wide open on affordable health insurance options. This is the time when you can jump into the ACA Health Insurance Marketplace – a haven for cost-effective plans. Miss this window, and you’ll be staring at locked doors until the next year rolls around. Mark your calendars, because this period is crucial for anyone hungry for a deal that won’t empty their wallets!

Open enrollment is the designated time period for individuals to enroll in, renew, or change their health plan. The federal government created the open enrollment period to standardize the process of obtaining or changing health coverage. Individuals no longer had to wait until the last minute to get health insurance.
In most states, the annual open enrollment period typically starts on November 1 and ends on January 15.

Outside of the open enrollment period, certain qualifying life events will trigger a special enrollment period, allowing you to change your current plan mid-year. Generally speaking, you’ll have a 60-day special enrollment period after the event to enroll in a new health plan through federal or state-based marketplaces.

There are four basic types of qualifying events:

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The ACA Health Insurance Marketplace: True Savings Revealed 

Step into the ACA Health Insurance Marketplace and brace yourself for the revelation of options that are designed with your financial well-being in mind. This is no ordinary marketplace; it’s a meticulously curated collection of plans where affordability meets quality. From subsidies to reduce your monthly premiums to coverage that actually covers your health needs – it’s all here, waiting to be discovered. Don’t be fooled by the flashy offers from private insurers; the real gems are in this marketplace, hidden in plain sight.

» MORE: Who Is Eligible for Obamacare (Affordable Care Act)?

What is the Affordable Care Act?

The Affordable Care Act, also known as “Obamacare”, was developed to help individuals access affordable health insurance through a health insurance marketplace where Americans can purchase federally regulated and subsidized health insurance during open enrollment.

In order to qualify, you must sign up during Open Enrollment but could still be eligible if you had a qualifying life event such as changing jobs, getting married/divorced, moving, etc. We’ll help determine if you are eligible and find you the best plan in any case.

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Call & Speak to a Licensed Agent to see if You are Eligible for ACA Insurance

The ACA, or Affordable Care Act, is a comprehensive healthcare reform law enacted in the United States in 2010. Its primary goal is to increase the quality and affordability of health insurance, expand coverage, and reduce the overall costs of healthcare.

The ACA introduced several key provisions:

1. Health Insurance Marketplace: Also known as the exchange, the Marketplace is a platform where individuals and small businesses can compare and purchase health insurance plans. It offers a range of options, including different levels of coverage and subsidies for those who qualify based on income.

2. Subsidies and Tax Credits: The ACA provides subsidies and tax credits to help lower-income individuals and families afford health insurance premiums. These subsidies are available to individuals and families with incomes between 100% and 400% of the federal poverty level.

3. Medicaid Expansion: The ACA expanded Medicaid eligibility to cover more low- income adults in participating states. However, not all states chose to expand Medicaid, so eligibility varies depending on where you live.

4. Protections for Consumers: The ACA includes various consumer protections, such as prohibiting insurance companies from denying coverage based on pre-existing conditions, allowing young adults to stay on their parents’ insurance plans until the age of 26, and requiring coverage of essential health benefits.

Who Qualifies for Affordable Care Act:

  • Individuals and families with incomes between 100% and 400% of the federal poverty level may qualify for premium subsidies in the Health Insurance Marketplace.
  • Medicaid eligibility varies by state but generally includes low-income individuals and families, pregnant women, children, and people with disabilities.

You May Still Qualify for Coverage After Open Enrollment

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Who is not eligible for Affordable Care Act?

Most people who live in the U.S. are eligible for healthcare coverage under Affordable Care Act. However, there are exceptions.

You are not eligible for Affordable Care Act if:

  • You do not live in the U.S.

  • You are incarcerated.

  • You are not a U.S. citizen, U.S. national, or lawfully present in the U.S.

  • You are covered by Medicare.

» MORE: What Are the ACA (Obamacare) Income Limits for Subsidies in 2024?

How much does Affordable Care Act cost monthly?

The Affordable Care Act will reach record affordability during the 2023 coverage year because of the American Rescue Plan Act of 2021 and the Inflation Reduction Act of 2022. New financial assistance with premiums means that 4 out of 5 people will be able to find a plan for $10 or less per month.

Your premium, or the amount you might pay monthly for Obamacare, will vary depending upon where you live, your income, your household size, what plan you choose, and the amount of your premium tax credit.

Generally, ACA plans are organized into “metal tiers,” which determine how you and your plan split the cost of care. The tiers and their characteristics are listed in the chart below.

Bronze Has the lowest monthly premium but also the highest costs when you need care
Silver This is known as the “benchmark” plan, with moderate monthly premiums and moderate costs when you need care. You must choose a silver plan to qualify for cost-sharing reductions. These are also known as extra savings on out-of-pocket expenses such as deductibles, copayments, and coinsurance.
Gold Has high monthly premiums but low costs when you need care
Platinum Has the highest monthly premiums and the lowest costs when you need care

Can you be denied Affordable Care Act?

As long as you are eligible for Obamacare, you can’t be denied. That means that as long as you are living in the U.S. lawfully and are not incarcerated or covered by Medicare, you can enroll in an ACA insurance plan. Depending on your income and other factors, your plan may not qualify for subsidies.

Your application can be denied if you try to sign up outside of the annual open enrollment period. For 2023 coverage, the open enrollment deadline is January 15, 2023, for most people. The 2024 Open Enrollment Period (OEP) begins November 1, 2023, and ends usually January 15, 2024, in most states.

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