Affordable Care Act
The law has 3 primary goals:
- Make affordable health insurance available to more people. The law provide consumers with subsidies ( Premium Tax Credits ) that lower cost for households with incomers between 100% and 400% of the Federal Poverty level.
- Expand the Medicaid Program to cover all adults with income below 138% of the FPL. Not all states have expanded their Medicaid Program
- Support Innovative Medical care delivery methods designed to lower the cost of health care generally.
To be eligible to enroll in Marketplace health coverage:
- you must live in the United States,
- Be a US citizens or national (or be lawfully present )
- Not be Incarcerated
Inmigration Status to qualify for the Marketplace:
- Lawful Permanent Resident (LPR/Green Card holder)
- Asylee
- Refugee
- Cuban/Haitian Entrant
- Paroled into the U.S.
- Conditional Entrant Granted before 1980
- Battered Spouse, Child and Parent
- Victim of Trafficking and his/her Spouse, Child, Sibling or Parent
- Granted Withholding of Deportation or Withholding of Removal, under the immigration laws or under the Convention against Torture (CAT)
- Individual with Non-immigrant Status, includes worker visas (such as H1, H-2A, H-2B), student visas, U-visa, T-visa, and other visas, and citizens of Micronesia, the Marshall Islands, and Palau
- Temporary Protected Status (TPS)
- Deferred Enforced Departure (DED)
- Deferred Action Status (Exception: Deferred Action for Childhood Arrivals (DACA) is not an eligible immigration status for applying for health insurance)
- Lawful Temporary Resident
- Administrative order staying removal issued by the Department of Homeland Security
- Member of a federally-recognized Indian tribe or American Indian born in Canada
There some additional exceptions to be eligible. Contact us for more information.

How to Pick a Health Insurance Plan:
Choosing a health insurance plan can be complicated. Knowing just a few things before you compare plans can make it simpler.
You pay a monthly bill to your insurance company (a “premium”), even if you don’t use medical services that month. You pay out-of-pocket costs, including a deductible, when you get care.
HMO, PPO, POS, EPO
Some plan types allow you to use almost any doctor or health care facility. Others limit your choices or charge you more if you use providers outside their network.
Contact us, receive the advise and knowledge of a Licensed Insurance agent who can help you to choose the best coverage for you and your family.