What are the important dates for enrolling in a ACA Health Coverage plan?

November 1: Open Enrollment begins.

December 15: Deadline for coverage to start January 1st of the following year.

January 15: Last day to sign up for the current years coverage to being February 1 of the current year. After January 15, you can only buy a health plan if you qualify for a Special Enrollment Period.

How can I get ready to apply for a Marketplace health insurance plan?

Use this checklist to prepare necessary documents and information. checklist. Then contact one of our agents at 813-501-3844 / 305-773-6586 or contact@wiseassurance.com to walk you through a market overview and check your eligibility. Once you gather all your documents, our agents will upload the information to your Insurance application for easy processing.

Will I get a subsidy / Credit on the ACA Marketplace?

The amount of monthly savings depends on your expected household income for the current year. Other variables that impact qualification for tax credits include, your age, household size and state. Our agents can take you through the application process which will show you how much of a subsidy you will qualify for.

If I have an employer provided health plan, can I apply for a ACA marketplace plan?

Yes you can apply, but if your employer contributes towards your employer provided health plan and the plan cost does not exceed 8.5% of your annual household income, then your plan is considered “affordable” and you would not qualify for any subsidies. Now, if adding your spouse or dependents to an employer plan is very expensive, it may be possible for your family to have a Marketplace plan with Tax Credits. We can help make the evaluation and provide guidance.