Health insurance (Obamacare / ACA)
We check together whether you qualify for the tax credit that lowers your premium.
These are Health Insurance Marketplace plans created by the Affordable Care Act (ACA). Depending on the plan, they cover doctor visits, emergencies, hospital stays, prescriptions and preventive care.
Who is it for?
- Self-employed workers or people without employer coverage.
- Families who want full medical coverage.
Key points
- Depending on your income and household size, you may qualify for a tax credit that lowers your monthly premium.
- Eligibility depends on your immigration status and income; we review it together.
- 2027 Open Enrollment: November 1, 2026 to January 15, 2027.
In plain words
- Marketplace
- The health insurance marketplace where, depending on your income, you may get help paying.
- Premium
- What you pay every month to keep the insurance.
- Deductible
- What you pay out of your own pocket before the insurance starts paying.
- Copay
- What you pay each time you see the doctor, even with insurance.
- Network
- The list of doctors and hospitals your plan accepts. Outside that list, you pay more.
Questions about this coverage
When can I enroll in Obamacare for 2027?
From November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage starting January 1; between December 16 and January 15, coverage starts February 1.
What if I miss Open Enrollment?
You may enroll during a Special Enrollment Period if you have a qualifying life event, such as moving, getting married, having a baby or losing coverage. Message me and we'll review your case.
Did anything change for immigrants in 2027?
Yes. Starting January 1, 2027, the Marketplace tax credit is limited to permanent residents, Cuban and Haitian entrants, and citizens of COFA nations. If you have another status, message me and we'll review your options.
What do I need for a quote?
Your ZIP code, the ages of the people you want to cover and, for Obamacare, an estimate of your household income for the year.
General information, not an offer of coverage. Licensed insurance agent. We are not the Health Insurance Marketplace (HealthCare.gov) or a government agency.