ACA / Obamacare
Marketplace health insurance for individuals and families.
Independent comparisons across the Marketplace carriers we represent — with subsidy and tax-credit eligibility figured out before we quote.
What is ACA / Obamacare?
The Affordable Care Act (ACA) — sometimes called Obamacare — is the federal Marketplace where people under 65 can buy private health insurance, often at a heavily subsidized rate.
Plans are organized into Bronze, Silver, Gold, and Platinum tiers, each balancing monthly premium against deductibles and out-of-pocket maximums. We help you pick the tier that fits how you actually use care.
Who qualifies
- Individuals and families under 65 without employer coverage
- Self-employed and 1099 workers
- Anyone who recently lost employer coverage
- Families with mixed-coverage household members
Subsidies & tax credits
Most South Florida households qualify for a Premium Tax Credit that lowers — sometimes eliminates — the monthly premium. The amount depends on household income, family size, and the second-lowest-cost Silver plan in your area.
We can help you estimate the credit you may qualify for so you have a realistic idea of the cost before you apply. The final amount is determined by the Marketplace from the information on your application, and it can change if your income or household changes during the year.
When you can enroll
Enroll by December 15 for coverage that starts January 1; after that, coverage generally starts February 1.
Loss of coverage, moving, marriage, new baby, and more.
What we'll do for you
- Estimate the subsidy and tax credits you may qualify for
- Compare Marketplace plans from the carriers we represent in your zip code
- Help you check whether your doctors and specialists appear in a plan's network
- Help you compare your medications against each plan's formulary
- Handle the application and review your coverage with you each Open Enrollment
ACA questions, answered
Who ACA / Obamacare is for
Marketplace coverage is built for people who buy their own health insurance rather than getting it through an employer.
Key enrollment dates
There are two ways to sign up — the yearly window, and a special window opened by a life change.
How we help
From your first questions through each year's renewal, we handle the details for you.