ACA MARKETPLACE PLANS- HEALTH INSURANCE
We help individuals, families, and self-employed professionals find affordable health insurance through the Health Insurance Marketplace. Plans are available year-round for those who qualify due to life events such as losing coverage, moving, getting married, or changes in income.
I will help you:
- Check if You Qualify for Premium Subsidies
- Compare Multiple Insurance Carriers
- Understand Deductibles, Networks, and Out-of-Pocket Costs
- Enroll in a Plan That Fits Your Needs and Budget
Many people qualify for low monthly premiums or even $0 plans depending on income and household size.
WHO IS ELIGIBLE FOR MARKETPLACE (ACA) HEALTH INSURANCE?
Most people can enroll in a Marketplace health insurance plan if they meet a few basic requirements:
- Live in the United States: You must be a U.S. citizen or be lawfully present in the U.S.
- Do Not Have Access to Affordable Employer Coverage: If your job offers health insurance that meets government affordability and coverage standards, you usually cannot receive marketplace subsidies.
- Not Enrolled in Medicare: If you qualify for or are enrolled in Medicare, Marketplace plans are generally not available.
- File Taxes in the U.S.: If you receive a premium subsidy, you must file a federal tax return to reconcile the subsidy with a 1095A form. Mailed to you at tax time.
PRIVATE NATIONWIDE PPO PLANS
For individuals who do not qualify for subsidies or prefer broader provider access, I also offer private nationwide PPO health plans. Unlike ACA Marketplace plans, many private PPO plans are medically underwritten, which means eligibility may depend on your current health and medical history.
Private PPO plans can be a good option for people who:
- Are Generally Healthy With Few Ongoing Medical Conditions
- Want Nationwide PPO Provider Access
- Are Self-Employed, Travel Frequently, or Do Not Have Employer-Sponsored Coverage
ELIGIBILITY FOR PRIVATE HEALTH INSURANCE PLANS
Private health insurance plans can be a good option for some individuals and families, especially those looking for broader provider networks or different coverage options. However, eligibility for these plans may depend on your health history.
Unlike Marketplace (ACA) plans, many private health insurance plans may require medical underwriting, meaning the insurance company reviews your health history before approving coverage.
Because of this, some individuals with certain pre-existing or ongoing health conditions may not qualify for private plans.
If a private plan is not an option, Marketplace plans are available and cannot deny coverage due to pre-existing conditions.
TERM LIFE INSURANCE
Term life insurance provides affordable financial protection for your loved ones. It can help cover:
- Mortgage Payments
- Final Expenses
- Income Replacement for Your Family
- Financial Protection for Dependents
NEW BENEFITS: DISCOUNT HEALTH & WELLNESS PROGRAMS
Discount health programs can help reduce the cost of everyday healthcare services that may not always be fully covered by insurance.
These programs may include discounts on:
- Dental services—Save 15–50% per visit
- Vision care—Save 15-60% savings on glasses
- Prescription medications—10-85% on most prescriptions
- Telemedicine visits (24/7/365)
- Lab Testing—Save 10-80% on typical lab costs
- MRI and CT scans—40-75% off usual charges
- Pet Care—25% savings on in-house medical services at participating veterinarians.
- And many more services and discounts are available
These plans can help families save money on routine healthcare needs.
HOUSEHOLD INCOME FOR MARRIED COUPLES
If you are married, the ACA Marketplace requires you to report both spouses’ incomes as part of the household income when determining subsidy eligibility.
This is because subsidies are based on total household income, not just one person’s income.
For Example:
If one spouse earns $40,000 and the other earns $30,000, the Marketplace will calculate eligibility using a combined household income of $70,000.
Even if only one spouse is enrolling in the health insurance plan, the Marketplace still requires the income of both spouses if you are married and filing taxes together.