About the
Affordable Care Act
Thanks to the Affordable Care Act (ACA) millions of people have been able to get health insurance who in the past would not be able to afford it, would be denied coverage or would have no options available to them based on their location. not only has Obamacare helped many to obtain coverage, but you may also qualify for a subsidy based on your income. if you qualify, but the government will also help pay for your monthly premiums and out-of-pocket cost. and for those who have preexisting medical conditions, you can no longer be denied coverage under the ACA.
Healthcare plan
Get Affordable Health Insurance
ENROLL TODAY.
You may qualify for a Special Enrollment
Period if you or anyone in your household in the past 60 Days:
-
Lost Health coverage
-
Got married
-
Had a baby, adopted a child, or placed a child for foster care.
-
Got divorced or legally separated and lost health insurance.
-
Changes in residence
-
Gained citizenship
No special Circumstances?
Other plans available such as:
-
The short term Medical Plans
-
Compliant ACA Plans
-
Hospital Indemnity
“So many people have a good life and then something unexpected happens. You have to move, a job layoff, a new baby, a marriage, a divorce, an illness, a death. The list goes on, and navigating these times can be new, stressful, exciting, costly and strange.
For Life insurance, Health insurance (Medicare plans, ACA plans, Dental, Vision), travel insurance, annuities, long term care plans, and more, we can get you taken care of.”

Obamacare Made Simple
Compare Affordable Obamacare Health Plans Now
Save time by searching all the top health insurance plans right here, right away.
What You Need to Know about Obamacare: Common Questions Answered
The Affordable Care Act (ACA), otherwise known as Obamacare, is essentially a framework of federal rules around health-care coverage. Health insurance companies are now required to pay for a certain minimum amount of health care and services, and to remove caps (the maximum amount they'll cover) on certain care. The law sets up a system for guaranteed coverage and a "Patient's Bill of Rights," which establishes certain protections for consumers. In late 2017, the Trump administration repealed the individual mandate, meaning that by 2019 it will no longer be a requirement to buy health care coverage.
Why would health care coverage be required under Obamacare?
-
When people have no health insurance and get sick or injured, they often end up in hospital emergency rooms. This kind of care costs more than ordinary doctor visits. If you can't afford to pay, the hospital generally still has to provide some care, and someone has to pay it. This can mean increased health insurance premiums or taxes for everyone else.
-
Health insurance companies can keep costs down if they insure many people, and only a small percentage of their members are considered high-risk (having ongoing or expected health problems). The more people a company insures, the more it can "spread out" the risk. People with health issues may be more likely to sign up for insurance than healthy people. But if everyone has to get insurance, regardless of their health, the average amount the insurer pays out for each person's care will likely go down -- so companies can keep premiums lower.
How has Obamacare changed health insurance and costs?
-
Before the ACA, people with health problems sometimes had trouble finding an insurance company that would cover them. The ACA requires not only that health insurers can't turn you down or charge you more if you have a "pre-existing condition;" it also mandates that if you have a health insurance policy and get sick (for example, with a chronic illness such as cancer), the company cannot drop you as a member for medical reasons. -
In most cases, you're now entitled to many free preventive services, such as certain vaccinations and screenings. -
Some people may have barely noticed a change; for example, if you get health coverage through your job and it covers everything Obamacare requires, things might not have changed that much for you. -
Others may have seen their health insurance premiums change in 2017 (or earlier). There are many factors influencing rates; one of them may be the increased coverage some companies may need to provide in order to meet ACA standards. Other factors may include where you live, your age, whether you smoke, and what plan category you have. -
Where you live can have a big effect on the size of your monthly premium. According to the Kaiser Family Foundation , a 2015 study of cities in 11 states found that in some cities, premium rates for Silver plans are lower than last year; on the other hand, some cities saw a premium hike of up to 16%. -
If you're not insured, or if you are but want to switch to a different insurance policy, you can now visit an online "marketplace" to explore your options.
What minimum health coverage does a plan have to include?
-
Outpatient services -
Emergency services -
Hospitalization -
Pregnancy, maternity, and newborn care -
Mental health and substance abuse services -
Prescription drugs -
Rehabilitative care -
Lab services -
Preventive care -
Pediatric services
What recent news about Obamacare should I be aware of?
Will Obamacare affect my taxes?
You may have heard about Obamacare affecting your income taxes. In some cases, you might be eligible for tax credits that help with premiums and out-of-pocket costs; these tax credits may also be referred to as subsidies, and you apply for them when you buy a qualifying health plan.
When can I sign up for Obamacare?
-
Moving to a new area -
Losing your health insurance; for example, losing coverage from your job, or losing coverage through your spouse because of divorce or death -
Adopting a child -
Having a baby -
Getting married -
Experiencing changes in your income -
Getting out of prison -
Belonging to a federally recognized Native American tribe
Where can I find health insurance I can afford?
How can I learn more about Obamacare?
What are the categories of health insurance?