The Affordable Care Act (ACA)—commonly known as ObamaCare—was created to make quality health insurance more accessible and affordable for individuals and families across the United States. At Insurance Now for Less, we’re here to help you understand your options, determine your eligibility for subsidies, and enroll in a plan that meets your medical and financial needs.

 What Is ACA / ObamaCare?

ObamaCare is a government-regulated health insurance program that offers coverage through the Health Insurance Marketplace. Plans are designed to include essential health benefits and protect consumers from unfair insurance practices.

With ACA, you cannot be denied coverage for pre-existing conditions, and your out-of-pocket costs can be significantly reduced through premium tax credits and subsidies based on your income.

 Income-Based Savings

Depending on your household income and size, the government may subsidize part or all of your premium, making your monthly cost very low—or even zero in some cases. These savings include:

• –   Premium Tax Credits – Help lower your monthly premium.
• –   Cost-Sharing Reductions – Lower your deductibles, copayments, and out-of-pocket costs.

 What Does It Cover?

ACA-compliant plans include 10 Essential Health Benefits, such as:

• –   Doctor Visits & Preventive Services
• –   Hospitalization & Emergency Services
• –   Maternity & Newborn Care
• –   Mental Health & Substance Abuse Treatment
• –   Prescription Medications
• –   Pediatric Services
• –   Laboratory Services
• –   Rehabilitative Services
• –   Preventive & Wellness Services
• –   Vision & Dental for Children

 HMO vs PPO Plans

HMO (Health Maintenance Organization)

• –   Lower cost, but requires primary care referrals
• –   Must stay within a network of providers

PPO (Preferred Provider Organization)

• –   More flexibility to see any doctor
• –   No referrals required for specialists

We’ll help you choose between HMO and PPO based on your health needs and preferences.

 When Can You Enroll?

• –   Open Enrollment runs annually (typically Nov 1–Jan 15)
• –   Special Enrollment is available after qualifying life events like marriage, job loss, or having a baby

Let us help you get covered today!
Call us at (954) 824-2191 or click below to request your free ACA enrollment consultation.