FAQ

frequently asked questions

Learn more about common insurance topics to better understand your options.

What is the ACA open enrollment period?

The ACA (Affordable Care Act) open enrollment period is the yearly period of time that people can enroll in a Marketplace health care plan. This year open enrollment for 2025 runs from November 1, 2024 through January 15, 2025. Enrolling by December 15 gives you coverage that starts January 1.

Do I qualify for savings on an ACA plan?

Most people that fall between 100% to 400% the FPL (Federal Poverty Level) qualify for premium savings through the APTC (advance premium tax credit), with some qualifying for extra savings on their health plan costs. If you are over 400% of the FPL, don’t worry you may still qualify for these premium tax credits. Contact us to find out how much you can save on a plan today!

My spouse has health insurance with their employer, can I get an ACA plan?

Families with offers of employer health coverage may have new opportunities for savings with 2025 ACA plans, even if before they weren’t eligible. In addition, those families who found their employer insurance as unaffordable in the past should look into ACA plans that may be more affordable. Give us a call to see your options.

Premiums, deductibles, and out-of-pocket costs. What do these all mean?

A premium is your monthly fee that allows you to be covered by health insurance. Think of it as your “bill” you pay your insurance company each month. A deductible is the amount of money you need to spend before the insurance company will start covering services. Plans also have an out-of-pocket maximum, which is the most you will have to spend for covered services for the year. Copayments and coinsurance are payments you make for receiving medical services once you reached your deductible. Copayments are flat fees, while coinsurance is described as a percentage of the service cost.

I am between jobs and need a short term health insurance plan. What can I do?

If you need a short term health insurance plan while you wait for your employer coverage, there are options for you and your family. Keep in mind these plans work a bit differently than ACA plans, so be sure to talk to us first before to answer any questions you may have.

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