Frequently Asked Questions

The Affordable Care Act (ACA), also called Obamacare, is a law that helps make health insurance more affordable and accessible. It created the Health Insurance Marketplace, where individuals and families compare plans and enroll.

Most people can apply if they live in the U.S., are U.S. citizens or lawfully present immigrants, and are not incarcerated. Eligibility for savings depends on your income, household size, and location.

Costs depend on your income, age, location, and plan type. Many people qualify for subsidies that lower monthly premiums and out-of-pocket costs — some plans are as low as $0 per month.

Yes. Insurance companies cannot deny you coverage or charge you more because of a pre-existing condition.

Open Enrollment typically runs November 1 – January 15. Outside that window you may still qualify for a Special Enrollment Period after a life event such as losing coverage, moving, getting married, or having a baby.

These metal tiers describe how costs are shared: Bronze has lower premiums but higher out-of-pocket costs, Silver balances the two, and Gold has higher premiums with lower out-of-pocket costs. They do not change the quality of care.

It depends on the plan network. Always check that your doctor and prescriptions are covered before you enroll.

The federal penalty is currently $0, but some states have their own requirements and penalties.

Yes. ACA plans are a strong option for freelancers, gig workers, and small business owners — anyone without employer coverage.

All ACA plans must cover essential health benefits including doctor visits and hospital care, prescription drugs, preventive services like checkups and vaccines, and maternity and mental health services.

Financial assistance that lowers your costs. Premium tax credits reduce your monthly bill, and cost-sharing reductions lower deductibles and copays. Both are based on income and household size.

Not always, but many people pay very low premiums, and some plans can be as low as $0 per month depending on income and subsidies.

You typically wait until the next Open Enrollment unless you qualify for a Special Enrollment Period due to a qualifying life event.

You can apply online at healthcare.gov, through a licensed agent or broker, or by phone. Our certified experts can help at no extra charge.

Yes. Losing employer coverage usually qualifies you for a Special Enrollment Period, so you can enroll right away.