ACA Plans – Frequently Asked Questions

Health insurance, made simple. Here’s what you need to know about ACA coverage.⸻🟡 What is ACA?What does ACA stand for?
ACA stands for the Affordable Care Act, also known as Obamacare. It’s a health insurance program that provides discounted or even $0 coverage for people based on their income.How do ACA plans work?
The government provides subsidies (financial help) to lower the monthly cost of insurance. If you qualify, your plan may be free or very low-cost.⸻✅ Who Qualifies?Can I qualify even if I work or have a 1099 job?
Yes! Many workers, freelancers, Uber drivers, bartenders, and small business owners qualify — even if they make good money. It depends on household size and estimated yearly income.Do I need to be a U.S. citizen?
Not always. Some immigration statuses qualify too (like green cards, TPS, asylum, or DACA). We’ll review it with you privately.Can I get a plan if I already have something through work?
Yes, if your job insurance is too expensive or doesn’t meet ACA standards, you may still qualify. Let’s compare.⸻📦 What’s Included?Are ACA plans real insurance?
Yes — ACA plans cover:
• Doctor visits
• Specialists
• Urgent care
• Hospitalization
• Prescriptions
• Mental health
• And moreCan I choose my own doctors or clinics?
Yes. Each plan has a network, and we’ll help you choose one that includes your preferred providers.Does it cover dental and vision?
Some plans offer basic dental or vision, especially for children. If not, we’ll help you add low-cost options.⸻📝 The Application ProcessHow do I apply?
You can apply with us in just 10–15 minutes — by phone, text, or online. We’ll guide you every step of the way.What information do I need to provide?
• Your name, birthday, and zip code
• Estimated income for the year
• How many people live in your household
No documents are needed to get a quote — it’s quick and confidential.When can I apply?
There are two ways to qualify:
• Open Enrollment (Nov–Jan): Anyone can apply.
• Special Enrollment: You qualify if you’ve had a life change like moving, losing insurance, getting married/divorced, etc.⸻🕒 After You ApplyHow long does it take to get coverage?
Coverage usually starts the 1st of the following month. You’ll receive a digital confirmation right away and your card by mail soon after.What if I need help using my plan?
We’ll help you set up doctor visits, check benefits, and stay supported all year long — at no cost to you.⸻📬 Need a Personalized Quote?We’re here to answer questions, explain your options, and find you the right coverage — fast, easy, and free.
👉 Text us at 561-859-0295