Healthcare Marketplace

Call (844) 358-9956

If you have a Qualifying Life Event, you may be eligible for an ACA plan (Obamacare). Short Term health plans will not cover you if you are pregnant, planning a pregnancy, or have any pre-existing conditions. Please call (855) 435-9451 for assistance if any of these conditions apply to you.

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Change of Income

If your income has recently increased or decreased. Millions will qualify here.

Lost Health Coverage

Job loss
Medicaid loss
CHIP loss
Insurance dropped

Became a US Citizen

Recently became a citizen, national, or lawfully present individual. 

Change of Marriage Status


New Family Member

Had a baby
Adopted a child
You were adopted

Moved Locations

Moved to another zip code, county or state which qualifies you for different Obamacare plan options.

No Longer a Dependent

You turned 26 and can no longer be covered on your parent’s health insurance plan.

Exceptional Circumstances

Contract violations
Unexpected hospitalization
Misinformation from an Agent
And more

If any of these happened to you
View rates and enroll >>

Over 12 million Americans enrolled in 2017.

A record number of uninsured Americans now have health insurance because of the Affordable Care Act. Learn More.

2018 Subsidy + Tax Penalty Calculator

For 2018, if you earn less than $47,550 as an individual (or $97,200 for a family of 4) you may receive a tax subsidy to help you pay for some or all of your insurance. Use our subsidy calculator to approximate your monthly subsidy savings.

Calculate My Subsidy >


Key Standards Under The Affordable Care Act

You must have insurance

If you aren’t enrolled in a health plan in 2018, you will be penalized on your federal income taxes.

Tax subsidies for free insurance

If you make less than $47,550, you could be eligible for “subsidies” to help reduce your monthly insurance bill.

Bronze, Silver, Gold, & Platinum Plans

All health plans now fall into these 4 categories & create new standards for insurance plans.

Increased Medicare benefits

The expensive “donut hole” for those on Medicare will shrink incrementally until 2020.

No more coverage limits

It’s now illegal for health insurance policies to put limits on how much they’ll pay for your medical bills.

Pre-existing condition? No problem

Insurers can no longer deny you or charge you more if you have a pre-existing condition.

Frequently Asked Questions

When is the 2018 Open Enrollment Period?

The 2018 open enrollment period to enroll in an Obamacare/ACA health insurance plan begins on November 1, 2017 and ends on December 15, 2017. Starting this year, the open enrollment period will be shorter than past years, which means people will have less time to shop and enroll in a new plan. If you miss this window you will not be able to enroll until the marketplace re-opens in November 2019 unless you have a special “life event” such as having a baby or losing your job. For complete information on deadlines for 2018 go here.

What happens if I don't sign up for Obamacare?

Unless and until a new healthcare law is passed or this law is changed, you will be taxed if you don’t have health insurance that meets all of the requirements of the law. You also will not be able to enroll in a new health insurance plan until the next open enrollment period in November 2018 unless you have a qualifying life event. For 2017 the tax fine was 2.5% of your annual income or $695 per adult, whichever is higher, and there are additional fines if you have uninsured children.

What if I can't afford health insurance?

If you make less than approximately $47,550 a year you may be able to get a subsidy from the government to help you pay your monthly premium bills. If you’re interested in determining if you’re eligible for a subsidy, please try our a subsidy calculator or start the application process here and your subsidy will automatically be calculated based on the profile information you provide. Also make sure you know all your options and read our “Top 6 Changes for 2018”

How can I get a tax subsidy to lower my monthly cost of insurance?

Complete this short profile form and your subsidy amount will automatically be calculated, if you qualify for one. You do not actually receive a subsidy check in the mail, instead you’ll immediately see a discount in your monthly insurance cost on the plan you select. The government then works with your carrier to pay for the subsidy amount you’re eligible for.

How do I enroll?

To enroll in Obamacare/ACA health insurance plans complete the short form here.

When does the 2018 Open Enrollment Period end?

The 2018 open enrollment period starts on November 1, 2017 and ends on December 15, 2017. For a list of deadlines and other information go here.
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