OBAMACARE · ACA · MARKETPLACE
Individual and family options to protect what matters most. We help you understand coverage, costs and how to apply.
Obamacare is the familiar name for the ACA, a law setting rules for health coverage. The Marketplace is where eligible individuals and families can compare and apply for insurance plans.
It is not one insurer or a single plan. Options, provider networks and prices depend on your location and circumstances.
Marketplace plans include essential benefits such as emergency services, hospitalization, prescription drugs and mental health care. They also cover pre-existing conditions.
Estimated household income and other requirements may allow premium savings and, in certain cases, lower costs when receiving care. The Marketplace application determines eligibility. No specific price or assistance is guaranteed.
There is an annual enrollment period. Outside it, certain life changes may open a special period, such as losing coverage, getting married or having a baby. Requirements and dates need to be reviewed for your situation.
Reference information: HealthCare.gov and Medicare.gov.
A PLAN IS MORE THAN ITS PRICE
Select a topic to learn what to check.
Recognizing the insurer's name is only the beginning. Confirm that your doctor, specialists and hospital are in the network of the specific plan you intend to choose.
Have your doctors' names and office locations ready.
Check whether your prescriptions are covered, their costs and in-network pharmacies. Some may require prior authorization or have specific conditions.
Prepare a list with the name and dosage of each prescription.
Your premium is the monthly payment. The deductible, copayments, coinsurance and out-of-pocket maximum for covered services also matter.
Consider both routine visits and unexpected expenses.
Confirm your enrollment period and coverage start date. A life change may open a special opportunity, depending on the program and its requirements.
If you lost coverage, keep the document showing when it ended.
FREQUENTLY ASKED QUESTIONS
The answers you need
to take the first step.
Obamacare is the familiar name for the Affordable Care Act (ACA). The Marketplace lets you compare individual and family plans that meet its requirements.
It depends on the plan. Before choosing, verify that your doctors, specialists and hospitals participate in the specific plan's network.
Possibly, depending on estimated household income and other requirements. A Marketplace application determines eligibility and available savings. Not everyone qualifies.
Each program has enrollment periods. Certain life changes, such as losing coverage or having a baby, may allow special Marketplace enrollment. We'll review the dates that apply to you.
No. Medicare is a different program, mainly for people 65 and older and some younger people who meet specific requirements. It has its own options and enrollment periods.
No. The form requests guidance and a quote. It does not enroll you in a plan or require you to buy insurance.
A GOOD PLACE TO START
Tell us what you need.
We start by listening.