Everything you need to know about ACA (Obamacare) coverage — who qualifies, how much it costs, how to enroll, and how to get the most subsidy possible.
The Affordable Care Act changed the rules of health insurance permanently. Here's what you're protected by law.
Insurers cannot deny coverage or charge you more because of any medical history — cancer, diabetes, heart disease, anything.
Most Americans qualify for subsidies that reduce monthly premiums. Many pay $0/month. Credits are based on income and household size.
Every ACA plan covers: hospital care, ER visits, maternity, mental health, prescriptions, preventive care, pediatric care, rehab, lab tests, and more.
Annual physicals, vaccines, cancer screenings, contraception, and more — covered 100% on all ACA plans with no cost to you.
Your worst-case annual cost is capped. In 2026, the maximum is $9,450/individual and $18,900/family. After that, insurance pays 100%.
Children can stay on a parent's health insurance until age 26, regardless of student status, marital status, or financial dependency.
Getting enrolled is faster than most people think — especially with a licensed agent who handles the paperwork for you.
You'll need: estimated annual income, Social Security numbers for all household members, employer insurance info (if any), and information on any current coverage.
A licensed agent (or HealthCare.gov) calculates your exact premium tax credit based on your income, household size, and state. Most people are surprised by how much they qualify for.
Review plans by premium, deductible, network, and drug formulary. Your agent compares every option in your ZIP code — not just the ones with the highest commissions.
Your agent submits the application. Coverage typically starts the 1st of the following month. Enrolling by December 15 means January 1 coverage. Fast, paperless, and free.
Open Enrollment is one window per year — but you may qualify for Special Enrollment year-round.
Open Enrollment begins. Enroll any time in November or December.
Deadline to enroll for January 1st coverage start date.
Open Enrollment closes. Last chance for February 1st coverage.
Lost job coverage? Got married? Had a baby? You can enroll any time within 60 days of a qualifying event.
Free, no obligation — see exactly what Obamacare coverage costs for your income and household in your state.
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