Question 1

What is ACA / Obamacare?

Accepted Answer

The Affordable Care Act helps individuals and families get health insurance, typically before they qualify for Medicare at 65. Subsidies may reduce premiums based on income and household size, and plans cover essential benefits like doctor visits, prescriptions, and hospital care.

Question 2

Who is ACA coverage for?

Accepted Answer

People under 65 without employer coverage, the self-employed, small business owners, families with low to moderate income who may qualify for subsidies, and anyone between jobs or losing other coverage.

Question 3

How do ACA subsidies work?

Accepted Answer

A premium tax credit lowers your monthly bill based on household income and family size. The subsidy is applied directly each month — you don't wait until tax time. Many people qualify for very low or $0 premiums.

Question 4

When is ACA Open Enrollment?

Accepted Answer

Open Enrollment usually runs November 1 through January 15. Enroll by December 15 for coverage starting January 1. Outside that window you'll need a qualifying life event.

Question 5

What is a Special Enrollment Period?

Accepted Answer

You may enroll outside Open Enrollment within 60 days of a qualifying life event such as moving, losing coverage, marriage, divorce, having a baby, or a change in household income.

ACA & Obamacare — Made Simple

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What is ACA / Obamacare?

Who is ACA for?

What is the Marketplace?

Subsidies — how they work

Open Enrollment Period

Special Enrollment Periods

ACA vs. Medicare — what's the difference?

ACA Provider Searches

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