A HASSLE FREE PROCESS THAT KEEPS YOU COVERED!
Get an Affordable Care Act (ACA) health insurance plan from one of the top health insurance companies that covers everything and may cost you nothing. WLS Insurance Agency makes it easy to know the options in your state.
Our licensed insurance agents are here to guide you through the process of finding the lowest possible premium that will cover all of your needs. Don’t hesitate to contact us and enroll online now!
WHAT IS OPEN ENROLLMENT?
An open enrollment period is a window of time that happens once a year — typically in the fall — when you can sign up for health insurance, adjust your current plan or cancel your plan. It’s usually limited to a few weeks. If you miss it, you may have to wait until the next open enrollment period to make any changes unless you have a qualifying life event including a loss in health coverage, a change in employment, or a divorce, among others.
GET A FREE QUOTE
Get the best rates possible on your health insurance coverage today. Speak to an expert licensed agent now, and let us help you through the confusion of signing up. Whether during open enrollment or a special exemption period, it only takes a few minutes to find you an affordable Obamacare plan that has all the coverage you need. All pre-existing conditions are covered. Florida affordable health insurance coverage is within your reach!
WHAT ARE OPEN ENROLLMENT DATES TO KNOW?
Individual & Family ACA Marketplace plans: Open enrollment is November 1 through January 15, in most states
Health insurance through work: Enrollment periods are set by your employer (typically in fall)
Medicare: Annual Enrollment Period (AEP) is October 15 to December 7 every year. Initial Enrollment Period (IEP) is around age 65
Medicaid: Enroll anytime
Dual Eligible Special Needs Plans (DSNP): Enroll anytime
WHAT IF I MISSED THE DEADLINE FOR OPEN ENROLLMENT?
If you need coverage during a time when annual open enrollment isn’t available and you have not experienced a Qualifying Life Event, you can buy short term health insurance. Short term health insurance can fill health care needs for short amounts of time.
INDIVIDUAL SHORT-TERM HEALTH INSURANCE
The Affordable Care Act (ACA) is the name of the health care reform law and its amendments, which address health insurance coverage, costs, and preventive care. The Affordable Care Act is often referred to as Obamacare since it was signed into law in March 2010 by President Barack Obama.
Under the ACA, those who were previously uninsured due to preexisting conditions or financial circumstances and those who were insured in high premium plans or limited benefit plans may now be eligible for more affordable health plans with essential benefits. The ACA has given millions of people access to quality health care. ACA-compliant plans cover things like annual checkups, maternity and newborn care, prescription drugs, emergency services, mental health services, pediatric services and more.
In 2021, the federal government passed the American Rescue Plan (ARP) to provide COVID-19 relief. In addition to providing stimulus checks, the law also makes ACA plans more affordable by increasing financial assistance and making more people eligible to receive it. As part of the American Rescue Plan, consumers and ACA enrollees may benefit from higher subsidies. Amount of subsidy and savings is based on subsidy eligibility, annual income, age, county and the plan selected.
If you currently have an ACA plan and qualify for additional financial assistance, you may have a lower monthly cost no later than Sept. 1, 2021. You may also be eligible for health plans with more benefits at a lower cost.
Sometimes little things happen; sometimes big things do. Sometimes they’re expected, sometimes they’re not. No matter what, a health plan can offer you the comfort of feeling like you’re ready for any circumstance. And you may qualify for financial help paying for it thanks to the Affordable Care Act and the American Rescue Act.
Depending on your income, your monthly cost may be as low as $0 per month, if you qualify,* and you may pay less when you see a doctor. All without sacrificing quality of care.
Our agents can see if you qualify for financial help through the Health Insurance Marketplace to help pay your monthly premium.
The government offers financial help to those who qualify to help pay part of the monthly cost of the health plan. Use HealthCare.gov’s Eligibility Estimator to determine your eligibility.
The government reviews information such as:
- Your household income
- Your family size and individual ages
- Where you live
The amount of financial help you get will be based on this information. If you qualify, you’ll pay a lower monthly cost for your health plan.
If you have CHIP coverage, you do not need to take any action.
For information on CHIP, call Florida KidCare at 1-888-540-5437 or Florida Healthy Kids at 1-888-540-KIDS (5437).
While ACA did help strengthen Medicare by lowering prescription drug costs and expanding preventive benefits, it does not impact how you apply or receive Medicare. However, ACA Marketplace plans are not Medicare plans and should not be purchased by anyone who qualifies for Medicare. So, ACA does not affect how you apply for Medicare.
When a health insurance plan is ACA-compliant, it means that it conforms to the regulations enacted by the Affordable Care Act (Obamacare). These compliant plans must include coverage for ten essential health benefits (EHBs):
- Emergency services
- Hospitalization
- Ambulatory patient services (outpatient care received without being admitted to a hospital)
- Preventive and wellness services
- Pediatric services (includes vision and dental care)
- Prescription drugs
- Mental health and substance use disorder services
- Pregnancy, maternity, and newborn care
- Rehabilitative and habilitative services and devices
- Lab tests
ACA-compliant plans also have other rules and regulations they must follow and meet, but the specifics can be different depending on the type of health plan.
There is no difference. Obamacare is an informal name used to refer to the Affordable Care Act, since it was signed into law by President Barack Obama.
According to Healthcare.gov, the purpose of the Affordable Care Act was to help more people in the U.S. get health insurance coverage by reducing the cost of coverage for people who qualify for it. As a health care reform act, its goal was to improve the quality of health care and health insurance and to reduce spending related to health care in the U.S.