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.
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.
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:
It is just that easy to compare online.
Your eligibility for coverage and for rate discounts is impacted most by two factors:
The current "Open Enrollment Period" is from November 1, 2023 to January 15, 2024. Existing 2023 plans expire on December 31, 2023. In order to avoid any gaps in coverage, it is highly recommended you sign-up by December 15, 2023.
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, 2024. However, if you are even a day late, you would have to wait until February 1, 2024 for your coverage to begin.
When Open Enrollment ends, or after January 15, 2024, 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 ObamacareUSA.org, you can still get a private insurance plan, known tas a "Short Term Plan". Learn more about Short Term insurance here
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