Enhanced Subsidies Available

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The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive healthcare reform law in the United States. It aims to make health insurance more affordable and accessible to more Americans, while also improving the overall quality of healthcare. Our certified specialists will guide you every step of the way.

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Answer 2 simple questions to see if you qualify

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Great News! You May Qualify

Based on your answers, you may be eligible for ACA coverage with potential savings through premium tax credits and enhanced subsidies.

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Not Qualified? We Can Help!

You might not qualify for ACA Benefits. But our ACA experts can help you with qualification. Call now for more details.

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The Affordable Care Act (ACA)

Understanding how ACA coverage can provide comprehensive healthcare benefits for you and your family

Comprehensive Healthcare Reform

Coverage for pre-existing conditions
Essential health benefits included in all plans
Dependent coverage up to age 26
No annual or lifetime coverage limits

Check Your Eligibility

Why Choose Your ACA Policy?

We make finding and enrolling in ACA coverage simple, fast, and stress-free with our expert guidance and personalized support.

Free Enrollment Assistance

Our certified application counselors provide personalized guidance at no cost to you. We'll help you understand your options and complete your application correctly.

Subsidy Optimization

We'll help you maximize your premium tax credits and cost-sharing reductions to get the most affordable coverage possible based on your income and household size.

24/7 Support

Our enrollment specialists are available when you need them, with extended hours during open enrollment periods to accommodate your schedule.

How It Works

Getting ACA coverage has never been easier. Follow these simple steps to get started.

Assess Your Eligibility

Complete our quick questionnaire to determine if you qualify for ACA coverage and potential subsidies based on your income, household size, and location.

Enroll in a Plan

Review your personalized plan options and select the coverage that best fits your healthcare needs and budget. We'll help you understand the differences between plan tiers.

Confirm Your Application

Submit your application through the Health Insurance Marketplace. We'll help ensure all information is accurate and complete to avoid processing delays.

Activate Your Coverage

Once approved, make your first premium payment and receive your insurance card. Your coverage start date depends on when you enroll during the year.

Don't Miss Your Chance for ACA Coverage!

The Affordable Care Act provides life-changing health insurance opportunities with significant savings through premium tax credits and enhanced subsidies.

Millions of Americans qualify for $0 premium plans or substantial monthly savings. Don't wait - enrollment deadlines are approaching and special qualifying events may apply.

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8.3M+ Americans Enrolled in 2024

90% Receive Financial Assistance

$0 Monthly Premium Plans Available

What Our Customers Say

Don't just take our word for it. Hear from real customers who have gotten coverage through Your ACA Policy.

As a single mother with two children, finding affordable health insurance was overwhelming. Your ACA Policy's enrollment specialist walked me through every step and helped me qualify for subsidies that reduced my monthly premium by 60%. Now my family has the coverage we need.

Sarah J.

Austin, TX

After losing my job-based insurance, I didn't know where to turn. I completed the eligibility assessment on Your ACA Policy's website and discovered I qualified for a plan with a $0 premium thanks to the enhanced subsidies. The enrollment process was smooth and stress-free.

Marcus T.

Atlanta, GA

I've been self-employed for 10 years and always struggled with health insurance costs. This year, I used Your ACA Policy to enroll and found a plan that covers my medications with a monthly premium I can actually afford. Their guidance made all the difference.

Linda P.

Denver, CO

Frequently Asked Questions

Find answers to common questions about ACA coverage and our service.

What is the difference between a premium and out-of-pocket costs?

Your premium is the amount you pay each month for your health insurance coverage. Out-of-pocket costs are what you pay when you receive medical care, including deductibles, copayments, and coinsurance. Premiums and out-of-pocket costs typically have an inverse relationship—plans with lower premiums usually have higher out-of-pocket costs, and vice versa.

When can I enroll in an ACA plan?

The annual open enrollment period runs from November 1 to January 15 in most states. If you miss this window, you may qualify for a special enrollment period if you experience certain life events like losing job-based coverage, getting married, having a baby, or moving to a new state. Special enrollment periods typically last 60 days from the date of the qualifying event.

How do subsidies work?

Premium tax credits (subsidies) are financial assistance that lowers your monthly insurance payment. They're available to individuals and families with household incomes between 100% and 400% of the federal poverty level. The amount you receive is based on a percentage of your income, with lower-income households receiving larger subsidies. You can choose to receive the credit in advance to reduce your monthly payments, or claim it as a refund when you file your taxes.

What happens if I don't have health insurance?

While the federal government no longer imposes a tax penalty for being uninsured, having health insurance protects you from potentially catastrophic medical bills. Uninsured individuals pay the full cost of medical care, which can be extremely expensive. Additionally, some states have their own individual mandates with penalties for not having coverage. Most importantly, insurance provides access to preventive care and protects your financial security.