ObamacareUSA.org - Helping America find the best health insurance

Some of the Top Virginia Insurers We Work with Include:

ObamacareUSA.org: We've Got You Covered

The Good News About Obamacare:

Before Obamacare, healthcare premiums were too expensive for many families to afford. And even if you could afford it, insurance companies would deny coverage to anyone who had a preexisting medical condition, making it near impossible to get coverage if you weren't 100% healthy. Obamacare, officially known as the "Affordable Care Act," changed all of that. Now, by law, healthcare has become much more affordable and universally available. You don't need a high income or perfect health to get insured.

The Bad News About Obamacare:

Obamacare can be very confusing - the law is over 1,000 pages long!

People have been overloaded with information, some of which has been inaccurate. Some government websites have also been limited in terms of ease of use and health options offered. All this has made it difficult for people to know their options, shop around, and enroll in the plan that is truly the best fit for their income and coverage needs.

And delaying on getting coverage is not an option. A big part of the law states that if you do NOT have coverage, you will have to pay a fine, which has increased since last year. The fine is either a) 2.5% of your total income or b) fines for each member of your household ($695 /adult, $347.50/child) with no household limit. Who wants to pay hundreds and even thousands in dollars in penalties for not having insurance?

Fortunately, ObamacareUSA.org is here to help!

ObamacareUSA.org is a free website that makes it easy for you to find and compare health carriers and brokers in your area.
With our relationships and technology, we can match you with providers in your area. What this means is that you can compare your options with just a few clicks of the mouse!

Here is how it works:

  • 1)To begin, just enter your zip code.
  • 2)Next, tell us a little about yourself.
  • 3)Lastly, compare your health insurance options!

Enrollment Periods and Income:

Your eligibility for coverage and for rate discounts is impacted most by two factors:

  • 1) Enrollment Period and 2) Income and Household Size.

Enrollment Periods

The current "Open Enrollment Period" is from November 1, 2015 to January 31, 2016. Existing 2014/2015 options expire on December 31, 2015. In order to avoid any gaps in coverage, it is highly recommended you sign-up by December 15, 2015.

You must sign up by the 15th of the current month in order to have coverage by the start of the coming month. For example, if you enroll by December 15, your coverage begins on January 1, 2016. However, if you are even a day late, you would have to wait until February 1, 2016 for your coverage to begin.

When Open Enrollment ends, or after January 31, 2016, the "Special Enrollment Period" kicks-in. During this time, unless you have a major life change, known as a "Qualifying Life Event", you are not eligible to sign up for coverage. Learn more about the Special Enrollment Period and check if you have a Qualifying Life Event here

What if you not only missed Open Enrollment, but you also do not have a Qualifying Life Event? The good news is that with ObamcareUSA.org, you can still get a private insurance plan, known tas a "Short Term Plan". Learn more about Short Term insurance here

Income and Household Size:

Your annual income, along with the number of people in your household, greatly impacts your insurance rate because this information is used to determine your eligibility for subsidies. Think of subsidies like a credit or a discount that can be applied directly to your monthly premium. If you qualify, the lower the income of your household, the greater amount the subsidy will be. ObamacareUSA.org automatically calculates your subsidy eligibility based on the information you provide. If you want to learn more about subsidy eligibility requirements, here