Get an (ACA) Affordable MARKETPLACE Health Quote

in 60 Seconds or Less

Special Open Enrollment is open from January 15th to October 31st 2024.

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Why enroll in the ACA Marketplace?

You get the most options when deciding on how you want to be covered with a full-coverage health insurance ACA plan (also called the Health Exchange.) You can sort through your different plan options, enter your doctor or hospital and get full details on specific medicine and procedures. Private plans are year round.

SEE YOUR OPTIONS

QUALIFYING FOR SPECIAL ENROLLMENT

What, exactly, is a qualifying life event?

Some people aren't aware that they can enroll outside of the November 1st through December 15th open enrollment period. Some states extend past that but if you miss the deadline, the only way you be able to enroll is if you have a qualifying life event. A qualifying life event is a big life-changing situation — sometimes it's planned, sometimes unexpected — that can impact you and your health insurance. When you experience a significant life change it may allow you to change your medical insurance outside of the annual enrollment period (also called ObamaCare open enrollment}

Qualifying life events

✓ Having or adopting a baby

✓ Getting married

✓ Moving to a new area (switching zip codes)

✓ Experiencing a shift in employment status

✓ Turning 26 and losing coverage from parents

✓ Getting divorced

✓ Death of someone who shares your health insurance

✓ Earning U.S. citizenship

These are some of the reasons you may qualify for special enrollment via Obamacare for medical insurance

If you experience a qualifying life event, sign up right away

In most situations, you’ll need to make changes to your medical insurance within a specific time frame of the qualifying life event. Most of the time it's 60 days. Missing this deadline could mean having to wait until the next open enrollment, which could be as long as a year.

If you’re between the Obamacare enrollment periods and haven’t experienced a qualifying life event, short term health insurance is an option to bridge the gap including dental and vision plans. That way, you can help assure that you’re not without insurance at any point.

Frequently Asked Questions

What does ACA cost?

The medical insurance rates will vary based on your family size, income and where you live. You can run ACA quotes on our Health Sherpa platform by clicking here or contact us and we will do it with you over the phone and answer any questions you may have about health insurance.

Those who do not get a “subsidy” may find these ObamaCare plans very expensive and may benefit from reviewing our other health coverage options like “Short term medical” and “Gap bridge” plans.

Find out if you qualify for a subsidy in 60 seconds or less by click here.

WHAT IS A SUBSIDY?

It's very surprising how many people are oblivious they qualify for a subsidy. Because they don’t take advantage of this option they end up paying higher premiums for other medical insurance.

To qualify it depends on your income and family size, you may qualify for a subsidy (also known as a "Premium Tax Credit") that will help reduce the cost of the monthly health insurance premiums. In some cases in the ObamaCare plans, this subsidy may allow you to get coverage for even $0 per month.

To see if you qualify for a subsidy, and click here for your ACA quotes

WHEN CAN I SIGN UP FOR INSURANCE UNDER THE ACA?

There are 2 different enrollment periods during the year, the "OEP" or Open Enrollment Period, and the "SEP" or Special Enrollment Period.The ObamaCare Open Enrollment Period occurs each year from November 1 - December 15, but if you have had a change in your situation — like getting married, having a baby, or losing health insurance — you may be eligible for a Special Enrollment Period, allowing you to enroll in medical insurance outside the yearly Open Enrollment Period.To see if you qualify for a subsidy, and get ACA quotes in 60 seconds or less

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