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ACA Plans ACA (Obamacare) offers a range of coverage options,
from preventive care to hospitalization, all while ensuring
you get the financial assistance you need. Let’s Get Started Save on
Health Insurance
with ACA Discover how subsidies can reduce your monthly premiums
while keeping you covered for essential services. Start by
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Financial Help

ACA is providing financial help through premium tax credits and cost-sharing reductions

Health Insurance

Your health is your greatest asset, and it deserves the best protection. Get a personalized quote on ACA

Health Benefits

ACA-compliant health plans cover health benefits including a wide range of healthcare services
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Obamacare

What is ACA?

The Affordable Care Act (ACA), commonly known as Obamacare, is a healthcare reform law enacted in 2010 to make affordable health insurance available to more Americans. The ACA was designed to expand coverage, improve the quality of healthcare, and protect consumers from insurance company abuses, such as denying coverage for pre-existing conditions or imposing lifetime limits on coverage. It introduced health insurance marketplaces where individuals and families can compare and purchase plans, many of which are subsidized based on income. The law ensures that everyone, regardless of their health status or financial situation, can access comprehensive, affordable healthcare.
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Who Qualifies for
ACA Insurance Plans?

Income Requirements

Income Requirements

ACA subsidies are available for individuals and families with incomes between 100% and 400% of the federal poverty level (FPL). In states that expanded Medicaid, those below 138% of the FPL may qualify for Medicaid. Income is the key factor for eligibility for these aids.
Residency Status

Residency Status

To be eligible for an ACA plan, you must be a U.S. citizen, a U.S. national, or a lawfully present immigrant. Undocumented immigrants are not eligible for ACA coverage, though they can access emergency medical care through Medicaid in certain circumstances.
Enrollment Periods

Enrollment Periods

Open enrollment usually occurs once a year, but you may qualify for a special enrollment period due to major life events, such as losing health insurance, changes in your household (like marriage or a child's birth), moving, or becoming a U.S. citizen.
Medicare Eligibility

Medicare Eligibility

Individuals eligible for Medicare (typically people 65 or older) cannot enroll in an ACA marketplace plan. However, younger individuals with disabilities or specific medical conditions may still be eligible for ACA coverage until they qualify for Medicare.

Benefits of Having ACA

  • Low Monthly Premiums: How subsidies lower premium costs.
  • Financial Aid Options: Learn about subsidies and tax credits.
  • Comprehensive Coverage: What’s included (preventive care, prescription drugs, etc.)
  • Pre-existing Conditions: Assurance that coverage includes pre-existing conditions.
  • No Annual or Lifetime Caps on Coverage: Highlight consumer protection.
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ACA Plans & Pricing

ACA (Affordable Care Act) plans provide comprehensive health coverage at affordable prices, organized into four metal tiers: Bronze, Silver, Gold, and Platinum.

Bronze Plans

Lowest premiums, covering 60% of costs—ideal for healthy individuals needing emergency coverage.

Silver Plans

Cover 70% of costs and offer cost-sharing reductions for low-income families, often providing the best value.

Gold Plans

Higher premiums covering 80% of costs, suited for those needing frequent care.

Platinum Plans

Highest premiums, covering 90% of costs with the lowest out-of-pocket expenses, ideal for extensive healthcare needs.

Catastrophic plans are also available for those under 30 or with hardship exemptions, featuring lower premiums and higher deductibles.

Find Your Plan

Why Choose Us?

We offer expert guidance to help you navigate the complexities of ACA (Obamacare) plans, ensuring you find the most affordable and comprehensive coverage available. Our focus is on transparency, personalized service, and support at every step, from understanding your eligibility for subsidies to selecting the right plan for you and your family. With us, you’ll have access to a wide range of ACA-compliant plans, all designed to fit your budget while offering top-tier benefits. Trust us to simplify your healthcare journey, putting your well-being first.
Get Your Qootes
Finding an ACA plan was simple, and the subsidies made it affordable. I’m glad to have comprehensive coverage that fits my budget.
Emily Carter
ACA helped me find affordable coverage for my family. The subsidies lowered my premiums, and now we have peace of mind with great healthcare.
John Anderson
ACA provided affordable health insurance for my small business. The tax credits were a huge help, and the coverage is excellent.
Michael Thompson

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