The easiest process
Tell us a little about your household, and we'll quickly match you with the plans and savings you're eligible for.
Our licensed agents explain your choices so you can make a confident decision — with zero pressure.
We handle the paperwork and make enrollment easy. In many cases, your coverage can start within days.
Enjoy full protection with plans that guarantee the 10 Essential Health Benefits mandated by federal law.
Annual physicals and health screenings are free. Prevention is the key to a healthy life.
Stop worrying about medication costs. Get copays as low as $0 for common generic drugs.
True financial safety net. If you land in the hospital, your insurance takes the hit, not your savings.
Comprehensive coverage for therapy and psychiatric care. No stigma, just support.
Guaranteed coverage for maternity care. No pre-existing condition denials for pregnancy.
Essential lab work, blood tests, and imaging are standard in every single plan we offer.
Frequently Asked Questions
The Affordable Care Act (ACA), often called Obamacare, is a federal law that requires most Americans to have health insurance and makes coverage more accessible. It created a marketplace where individuals and families can shop for plans, and it mandates that insurers cover pre-existing conditions with no lifetime dollar limits.
Most U.S. citizens and lawfully present immigrants who are not incarcerated can enroll in an ACA plan. You do not need to pass a medical exam or meet health requirements — coverage is guaranteed regardless of your medical history or pre-existing conditions.
Depending on your household income relative to the Federal Poverty Level (FPL), you may qualify for Premium Tax Credits that lower your monthly premium, and Cost-Sharing Reductions (CSRs) that reduce your deductibles, copays, and out-of-pocket maximums. Many enrollees pay as little as $0 per month.
The standard Open Enrollment Period (OEP) runs from November 1 to January 15 each year. Outside of that window, you may still enroll if you experience a qualifying life event — such as losing employer coverage, getting married, having a baby, or moving to a new state.
It depends on the plan's network. Our advisors will verify whether your preferred doctors, specialists, and hospitals are in-network before you enroll, so there are no surprises. We compare multiple carriers to find the plan that best matches your existing care relationships.
If you miss Open Enrollment without a qualifying event, you will need to wait until the next OEP. However, many people qualify for a Special Enrollment Period (SEP) without realizing it. Contact us and we will review your situation — there may be a window still available to you.