Individual & Family health insurance quotes.

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Online Direct Enrollments.

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More about ACA plans.

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FAQs

Individual & Family

What if I can not afford health insurance?

If you cannot afford Obamacare, see if you can qualify for the state-based insurance program called Medicaid. Your Obamacare application can help you determine if you qualify for Medicaid.

What is a health insurance premium?

A premium is the amount you pay for your health insurance every month. In addition to your premium, you usually have to pay other costs for your health care, including a deductible, copayments, and coinsurance. If you have a Marketplace health plan, you may be able to lower your costs with a premium tax credit.

What is an insurance copayment?

A health insurance copay (or copayment) is a set fee you pay for a doctor visit or prescription. You usually pay it at your appointment or when you pick up a prescription.

Can I enroll outside open enrollment period?

Outside Open Enrollment, you can only get individual health insurance two ways:

With a Special Enrollment Period. You can qualify if you lose job-based coverage, have a baby, get married or divorced, or have certain other life changes.
Through Medicaid or the Children’s Health Insurance Program. You can apply any time and can enroll immediately if you’re eligible.

What is a Special Enrollment Period (SEP)?

A Special Enrollment Period or SEP is a time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married or divorced, having a baby, adopting a child, or if your household income is below a certain amount.

What is the Affordable Care Act (ACA) ?

The comprehensive health care reform law enacted in March 2010 (sometimes known as ACA, PPACA, or “Obamacare”).

Does everyone qualify for an ACA plan?

Not necessarily. The Affordable Care Act, also known as Obamacare, gives most uninsured people in the U.S. access to health insurance as long as they are U.S. citizens who live in the country, are not incarcerated, and are not covered by Medicare. Some may qualify for financial assistance or tax credits on the plan’s premium depending on your state and income.

What are HMO and PPO plans?

There are two main types of individual and family health insurance or ACA plans. These include HMO and PPO plans. A PPO (Preferred Provider Organization) plan encourages you to use insurance company’s network of preferred doctors and hospitals, but will provide some out of network coverage. HMO plans (Health Maintenance Organization) usually provide members lower out-of-pocket health care expenses but they provide less physicians and hospital options.