Over 60% of bankruptcies in the U.S. are due to medical bills— health insurance isn’t just coverage, it’s financial protection.

The Affordable Care Act (ACA) provides access to comprehensive health insurance that covers essential benefits like doctor visits, hospital care, preventive services, and prescriptions. It ensures that no one can be denied coverage due to pre-existing conditions.

ACA health plans are available to U.S. citizens and legal residents. Many people qualify for subsidies based on income, making coverage more affordable.

Open Enrollment typically runs once a year. However, you may qualify for a Special Enrollment Period with a qualifying life event.

Loss of Health Coverage

• Losing coverage through your job or a family member’s job
• Losing a Marketplace or individual health insurance plan
• Losing coverage through a family member (e.g., turning 26, divorce, death of a family member)
• Losing Medicaid, CHIP, or Medicare Part A coverage
• Losing COBRA health coverage

Changes in Household Size

• Getting married
• Having a baby or adopting a child
• Placing a child in foster care
• Turning 26 and aging out of a parent’s plan
• Losing health insurance due to a divorce or legal separation
• Losing health insurance due to the death of a family member

Changes in Residence

• Moving to a new county, ZIP code, or place of school
• Seasonal workers moving between living and working locations
• Moving to or from transitional housing or moving internationally
• Proof of health coverage required in some cases

Newly Eligible for Health Coverage

• Gaining access to an individual coverage HRA or Qualified Small Employer Health Reimbursement Arrangement (QSEHRA)
• 
  

Other Qualifying Life Events

• Leaving incarceration
• Becoming a U.S. citizen
• Gaining status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
• Gaining membership in a federally recognized tribe
• Starting or ending service as an AmeriCorps VISTA member

Costs vary based on factors like income, location, and the plan you choose. Many people qualify for premium subsidies that lower monthly costs. You can get a free quote to see your options.

Yes! Under the ACA, health insurance providers cannot deny coverage or charge higher premiums based on pre-existing conditions.

You can apply online through our free quote tool. Simply enter your information to compare plans and see what coverage and savings are available to you. If you'd rather speak to an agent, feel free to reach out to us at (561) 408-7170.

Yes! Getting a quote is completely free, and there’s no obligation to enroll. It’s the easiest way to explore your health insurance options.