Jonathan has tremendous expertise and knowledge about insurance plans and gives us great advice on how to pick a plan.We are very happy with the attention he gives us.
Great person!!!!
Obamacare / Marketplace Plans
Flexible Health Plans for Every Stage of Life
Affordable Care Act plans, also called ObamaCare insurance, are available through the federal health insurance exchange and offer comprehensive ACA coverage for individuals and families who don’t qualify for Medicare, Medicaid, or employer-sponsored insurance. These individual and family health plans include essential benefits like preventive care, ER visits, maternity care, mental health services, and prescription drugs. Many people are eligible for health insurance subsidies or tax credits, making monthly premiums and out-of-pocket costs significantly more affordable. For added convenience, some plans include optional ACA dental and vision coverage for well-rounded protection.
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Other Practice Areas at CoverCare Insurance Inc.
At CoverCare Insurance, we make it simple to compare marketplace insurance plans from trusted carriers in your area. Whether you’re self-employed, recently retired, between jobs, or insuring family members who don’t yet qualify for Medicare, we’ll help you find the right ACA coverage for your lifestyle and financial goals. Our licensed agents provide one-on-one support to explain plan details, review subsidy eligibility, and walk you through enrollment. With personalized guidance and access to quality ObamaCare insurance options, you can make informed decisions and secure coverage that protects your health and your wallet.
Obamacare / Marketplace Plans
You can talk about Obamacare / Marketplace Plans with the following specialists in any of our offices:
• Jonathan Lozano
• Yudy Lozano
Self-service
Quote. Compare. Enroll — On Your Own Time.
Explore health, Medicare, dental, vision, and life insurance options with easy self-service tools. Enroll online at your convenience, or reach out to us anytime for expert guidance.
Why Use Our Self-Service Tools?
- Instant quotes from top carriers
- 24/7 enrollment access — no waiting on hold
- Compare benefits, costs, and networks in one place
- Secure online applications
- Licensed agents available if you need guidance
Need Help Enrolling? We’re Here for You
Prefer a personal touch? Our licensed agents are always ready to answer questions, explain plan details, and guide you through the process step by step.
Related FAQs
What is Marketplace (ACA) insurance?
Marketplace insurance, also known as Affordable Care Act (ACA) coverage or Obamacare, is sold through state or federal exchanges like HealthCare.gov. It’s private insurance that meets ACA requirements, as mandated by law.
Who is eligible to enroll in Marketplace plans?
You can apply if you:
- Live in the U.S.;
- Are a U.S. citizen, U.S. national, or lawfully present;
- Don’t have employer-sponsored, Medicare, Medicaid, or CHIP coverage
When can I enroll to an ACA plan?
- Open Enrollment: runs from November 1 to January 15. Coverage starts January 1 if you enroll by December 15, or February 1 for later enrollments
- Special Enrollment: triggered by life events like moving, job loss, marriage, or birth
What benefits must ACA plans cover?
All Marketplace plans must include 10 Essential Health Benefits: hospitalization, preventive services, mental health, prescription drugs, maternity care, lab services, pediatric care (including oral and vision for kids), rehabilitation, ambulatory care, and emergency services.
Are pre-existing conditions covered under ACA plans?
Yes! Marketplace plans cannot deny coverage or charge more based on health history or pre-existing conditions.
Do I qualify for financial help under the ACA?
Many people receive a premium tax credit if their income is between 100–400% of the federal poverty level (FPL); current law extends that to higher-income households through 2025.
Additional cost-sharing reductions are available for lower-income consumers, typically on Silver-tier plans.
How do I know which ACA plan is right for me?
Plans are categorized by cost-sharing level— Bronze (low premiums, high out-of-pocket), Silver, Gold, to Platinum (higher premium, lower cost-sharing). Choose based on your health care usage, provider preferences, budget, and medications.
How do I report to the Marketplace changes in my circumstances?
Report changes (like income shifts, address, or household size) via the Marketplace site, by phone, or in person—not by mail. This helps adjust subsidies and may trigger a Special Enrollment Period.
How and when do I pay for my ACA plan coverage?
You pay the insurance company directly, not the Marketplace. Your coverage won’t begin until the first premium is paid.
What tax forms are involved in my ACA coverage?
After the year ends, you’ll receive Form 1095-A from the Marketplace to reconcile your subsidies on your tax return. Use Form 8962 to claim or repay the premium tax credit.
What are the different “metal” tiers in Marketplace plans?
- Bronze – lowest monthly premium, highest out-of-pocket costs
- Silver – moderate premium and cost-sharing (qualifies for most subsidies)
- Gold – higher premium, lower out-of-pocket
- Platinum – highest premium, lowest out-of-pocket
Coverage quality is the same across tiers—only the cost-sharing structure changes.
Can I keep my doctor with a Marketplace plan?
That depends on the plan’s provider network. Always check if your preferred doctors, hospitals, or specialists are in-network before enrolling. Out-of-network care is often more expensive or not covered.
What if I miss Marketplace Open Enrollment period?
If you miss Open Enrollment, you can only enroll if you qualify for a Special Enrollment Period (SEP) due to a major life change—such as job loss, marriage, divorce, birth of a child, or moving. Medicaid and CHIP enrollment is available year-round.
What happens to my ACA plan if my income changes during the year?
You must report income changes to the Marketplace as soon as possible. It can affect your premium tax credit amount or eligibility for subsidies. Failing to report may result in owing money when you file taxes.
Can I cancel my Marketplace coverage anytime?
Yes. You can cancel coverage at any time through your HealthCare.gov account or by calling the Marketplace. But be careful—you may not be able to re-enroll unless you qualify for a Special Enrollment Period.
Does Marketplace insurance cover dental and vision?
Dental coverage is included in some Marketplace health plans (especially for children). For adults, it’s often available as a standalone plan. Vision coverage for adults is not required but may be included or available separately.
Are there penalties for not having Marketplace insurance?
The federal penalty for not having health coverage was eliminated starting in 2019. There is no federal penalty for being uninsured. However, some states (like California, Massachusetts, and New Jersey) do charge a state-level penalty for going without coverage.
Can I enroll in Marketplace insurance if I’m self-employed?
Yes! If you’re self-employed or a freelancer without employer coverage, you can apply for Marketplace coverage. Many self-employed individuals qualify for premium tax credits and cost-sharing reductions.
How does the Marketplace define income?
Marketplace eligibility is based on your Modified Adjusted Gross Income (MAGI). This includes wages, tips, self-employment income, Social Security, and certain investment income—but not gifts, child support, or most disability payments.
Can I change plans after I enroll to a Marketplace plan?
Yes, but only during Open Enrollment or if you qualify for a Special Enrollment Period. You can switch plans, update income, or change your household details at those times.