All-new 2016 Obamacare plans are now here.
You can enroll in a new plan or change your current one now.

Every American must be enrolled in an Obamacare/ACA-compliant health insurance plan in 2016 or face a tax penalty of $695 per adult or 2.5% of your income, whichever is higher. Start by simply completing the form below to view all-new 2016 plans and rates.

Start here:

Millions enrolled in Obamacare in 2015.
Join the millions more who will enroll in 2016.

Over 12 million people enrolled in a plan in 2015 driving down the number of uninsured across the US to record lows. Learn More.

2016 Subsidy + Tax Penalty Calculator

For 2016, if you earn less than $47,080 as an individual (or $97,000 for a family of 4) you’ll receive a tax subsidy to help you pay for some or all of your insurance. Use our calculator to see how much you’ll be eligible for.

Calculate My Subsidy >


Key Standards Under The Affordable Care Act

You must have insurance

If you aren’t enrolled in a health plan in 2016, you’ll receive a tax penalty at the end of the year.
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Tax subsidies for free insurance

If you make less than $47,080 then you’ll be eligible for “subsidies” to help reduce your insurance costs.
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Bronze, Silver, Gold, & Platinum Plans

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

The expensive “doughnut hole” for those on Medicare will finally begin to shrink and be nearly obsolete.
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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.
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Pre-existing condition? No problem

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

When is the 2016 Open Enrollment Period?

The 2016 Open Enrollment period for Obamacare/ACA health insurance is November 1, 2015 to January 31, 2016. If you miss this window you can’t enroll until the Marketplace re-opens in November 2017 unless you have a special “life event” such as having a baby or losing your job. For complete information on deadlines for 2016 go here..

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

If you don’t have insurance, you’ll be fined and you won’t be able to receive free subsidies to reduce your monthly cost until enrollment re-opens in November 2017. For 2016 the fine is 2.5% of your annual income or $695 per adult, whichever is higher, and there are additional fines if you have children. The fee increases every year based on inflation.

What if I can't afford health insurance?

If you’re unemployed or make less than $47,080 a year you can get a subsidy from the government to help you. Try our 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 5 Changes for 2016” 

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 2016 Open Enrollment Period End?

The 2016 Open Enrollment Period starts on November 1, 2015 and ends on January 31, 2016. For a list of deadlines and other information go here.
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