You may qualify for ACA Marketplace coverage if you are a U.S. resident, do not have access to affordable health insurance through an employer, Medicaid, or Medicare, and meet income requirements for subsidies. For help with eligibility and plan options, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

You can switch from an employer-sponsored health plan to an ACA Marketplace plan, but your eligibility for premium tax credits depends on whether your employer’s plan is considered affordable and meets minimum value standards. For more information, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

If you’re a freelancer or self-employed, you can purchase a health insurance plan through the ACA Marketplace and may qualify for financial assistance like premium tax credits. To explore your options or get help applying, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

The ACA Marketplace guarantees that you cannot be denied coverage or charged more due to pre-existing health conditions. Coverage begins immediately, with no waiting period. For help applying, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

To qualify for premium tax credits in the ACA Marketplace, your income generally needs to be between 100% and 400% of the federal poverty level. Recent changes allow those with incomes above 400% of the FPL to qualify for subsidies in certain cases. For personalized guidance, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

You can switch from COBRA to an ACA Marketplace plan during the Open Enrollment Period or if you qualify for a Special Enrollment Period due to a qualifying life event. ACA plans may offer lower premiums and financial assistance. For help transitioning, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

You can get your own ACA plan even if you're currently listed as a dependent on your parents' health insurance. Eligibility for premium tax credits depends on your household income and tax filing status. To explore your options, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

ACA plans come in four levels—Bronze, Silver, Gold, and Platinum—each offering different balances between monthly premiums and out-of-pocket costs. Bronze plans have the lowest premiums but highest out-of-pocket costs, while Platinum plans offer the highest premiums and the lowest costs for care. To find the right plan, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Catastrophic health plans offer low monthly premiums but high deductibles, providing coverage mainly for emergencies. They are available to individuals under 30 or those with a hardship or affordability exemption. These plans cover essential health benefits, but don’t qualify for subsidies like standard ACA plans. To explore your options, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

You can switch from a Bronze plan to a Silver or Gold plan mid-year if you qualify for a Special Enrollment Period (SEP) due to a qualifying life event. Without an SEP, you must wait for the Open Enrollment Period. For help with switching plans, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

When selecting an ACA health plan, consider your budget and healthcare needs. Balance monthly premiums with out-of-pocket costs, and check if you qualify for premium tax credits or cost-sharing reductions. For personalized help choosing a plan, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

When choosing between HMO, PPO, and EPO plans, consider network access and flexibility. HMO plans offer lower premiums but require you to stay in-network, while PPO plans offer the most flexibility with both in-network and out-of-network coverage. EPO plans strike a balance by offering in-network care without the need for referrals. To explore your options, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

The flexibility of choosing healthcare providers under an ACA plan depends on the type of plan you have. HMO and EPO plans require you to use in-network providers, while PPO plans allow you to see both in-network and out-of-network providers, but at higher costs. For more help with understanding your plan’s network, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Your monthly ACA premiums are determined by factors like age, location, plan type, and whether you qualify for subsidies based on your income. To explore premium estimates and subsidy options, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

To reduce your ACA health insurance premiums, you may qualify for premium tax credits if your household income is between 100% and 400% of the federal poverty level (FPL). You may also be eligible for cost-sharing reductions if your income is between 100% and 250% of the FPL and you choose a Silver plan. To explore your options, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Your ACA plan deductible is the amount you pay out-of-pocket before your insurance starts covering most healthcare services. Deductibles vary by plan type, with Bronze plans having the highest deductibles and Platinum plans having the lowest. Once you meet your deductible, you’ll pay a percentage of costs through coinsurance. To explore plan options, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Premium tax credits reduce your monthly health insurance premiums by applying financial assistance based on your income and household size. To qualify, your income must fall between 100% and 400% of the federal poverty level (FPL), with expanded subsidies for higher incomes. To learn more about how premium tax credits can lower your costs, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

The out-of-pocket maximum limits the amount you’ll have to pay for covered healthcare services in a year. Once you reach this limit, your ACA insurance will cover 100% of your medical expenses. For help choosing a plan with the right out-of-pocket maximum for your needs, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

After enrolling in an ACA plan, your monthly premium is usually locked in for the year, but changes in income, household size, or employment can affect your premium mid-year. To avoid surprises, report changes to the Marketplace as soon as possible. For personalized help, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

All ACA-compliant health plans must cover essential health benefits, including preventive care, hospitalization, prescription drugs, maternity care, mental health services, and more. These benefits are standardized across all plans to ensure comprehensive coverage. For personalized help choosing a plan, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.