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ACA Marketplace FAQ

ACA Marketplace FAQ

What is Insured Solutions Group?

Insured Solutions Group is a licensed insurance agency that helps individuals and families enroll in Affordable Care Act (ACA) plans. We work with top-rated insurance carriers to offer a wide range of options that fit your unique needs.

Start your enrollment today or contact us for more information about your coverage options.

What is the Affordable Care Act (ACA)?

The Affordable Care Act (ACA), also known as Obamacare, is a health care reform law passed in 2010 to make health insurance more accessible and affordable for Americans. Key goals include:

Expanding Medicaid
Offering affordable health plans to individuals and families
Reducing overall healthcare costs
Looking for affordable ACA insurance? Get in touch with us to find the best plan for you!

How does Insured Solutions Group assist with ACA enrollment?

At Insured Solutions Group, we simplify the ACA enrollment process by providing personalized support. We compare plan options, guide you through paperwork, and help you choose the best plan for your healthcare needs and budget.

Get started now with a free consultation to ensure you’re on the right track!

How do you determine which ACA plan is right for me?

We evaluate factors such as:

Your income and family size
Any existing health conditions
Your preferred healthcare providers
Our team will present several ACA plan options, explain their benefits, and help you make an informed decision.

Can I get financial help to buy an ACA insurance plan?

Yes! Depending on your income and family size, you may qualify for subsidies (Advanced Premium Tax Credits) to reduce your insurance costs.

Learn more about your eligibility and let us help you apply for financial assistance!

When can I enroll in an ACA plan?

The Open Enrollment Period for ACA plans usually runs from November 1st to January 15th.

November 1, 2024: Open Enrollment starts.
December 15, 2024: Last day to enroll for coverage starting January 1, 2025.
January 15, 2025: Open Enrollment ends.
January 1, 2025: Coverage starts for those who enroll by December 15.
February 1, 2025: Coverage starts for those who enroll after December 15 but before January 15.
However, if you experience major life events (such as losing coverage, getting married, or having a baby), you may qualify for a Special Enrollment Period.

Are there any fees for your services?

We offer free consultations to help you navigate the ACA enrollment process. Our agents are compensated directly by the insurance carriers.

Schedule your free consultation today to get started with no obligations!

How do I start the process?

You can get started by filling out the contact form on our website or calling us directly. One of our licensed agents will reach out to guide you through the ACA enrollment process.

Get in touch today to begin the process!

Can I switch my current ACA plan?

Yes! You can change your ACA plan during Open Enrollment or if you qualify for a Special Enrollment Period.

How can I contact Insured Solutions Group?

You can reach us through the Contact Us form on our website or by calling our customer service line. We’re happy to answer any questions and guide you through ACA enrollment.

What happens if I miss the Open Enrollment period?

If you miss Open Enrollment, you can still apply for coverage if you qualify for a Special Enrollment Period due to life events like marriage or losing health insurance.

Find out if you qualify for a Special Enrollment Period and let us help you get enrolled!

Can Insured Solutions Group help me if I have pre-existing conditions?

Yes, under the ACA, insurance companies cannot deny coverage or charge you more due to pre-existing conditions.

Let us help you find the right ACA plan to cover all your healthcare needs, including pre-existing conditions.

How quickly can I get coverage once I’ve chosen a plan?

Your ACA coverage generally starts the first day of the month following your enrollment. However, the exact timing may vary based on when you enroll.

Can I keep my current doctor with my new insurance plan?

This depends on whether your doctor is part of the ACA plan’s network.

Get in touch with us to check if your preferred healthcare provider is in-network for the plans you’re considering.

How do ACA plans differ from traditional health insurance?

ACA plans must cover a range of essential health benefits, such as maternity, mental health, and prescription drugs. They also cover preventive services at no cost to you and cannot deny coverage due to pre-existing conditions.

What is the difference between in-network and out-of-network?

In-network providers have a contract with your insurance company to offer services at pre-negotiated rates, while out-of-network providers may charge higher fees.

Let us help you understand network options and choose the right plan for your healthcare needs.

Can Insured Solutions Group assist me if I am self-employed?

Yes, we can help self-employed individuals enroll in ACA plans and determine if they qualify for subsidies to lower premiums.

Can I enroll in an ACA plan if I have access to employer-sponsored health insurance?

You can enroll in an ACA plan even if you have access to employer-sponsored insurance, but subsidies may not be available.

Get in touch with us to compare your options and make the best decision for you and your family.

What information do I need to provide to enroll in an ACA plan?

You’ll typically need to provide information about your household size, income, and current health insurance coverage.

Can Insured Solutions Group help me if I am not a U.S. citizen?

Yes, many non-U.S. citizens qualify for ACA coverage. We can help you understand the specific requirements and guide you through the enrollment process.

Reach out to us to see if you qualify for ACA health insurance.

Are all ACA plans the same?

No, ACA plans vary in coverage levels: Bronze, Silver, Gold, and Platinum, with different cost-sharing structures.

What is the difference between co-pay, deductible, and out-of-pocket maximum?

Co-pay: A fixed amount you pay for a healthcare service
Deductible: The amount you pay before your insurance starts covering costs
Out-of-pocket maximum: The maximum amount you’ll pay for covered services in a year
Contact us for help understanding how these terms apply to your selected ACA plan.

Can Insured Solutions Group help me with prescription drug coverage?

Yes, ACA plans are required to cover prescription drugs. We can help you assess how each plan covers your medications.

Can I enroll in an ACA plan if I have Medicare?

It’s generally not advisable to enroll in both Medicare and an ACA plan. We can help you analyze your specific situation and find the best health coverage for you.

Reach out to us for a personalized review of your Medicare and ACA options.

Can I enroll my children in an ACA plan?

Yes, children can be covered under ACA plans. Depending on your income, your children may also be eligible for CHIP (Children’s Health Insurance Program).

What should I do if my income changes during the year?

If your income changes, it’s important to report it as soon as possible, as it may affect your premium or subsidy eligibility.

Let us help you update your information and adjust your coverage accordingly.

What is a Health Insurance Marketplace?

A Health Insurance Marketplace (Exchange) is where you can shop for and compare ACA health insurance plans.

Let us guide you through the process and help you find the best plan available on the Marketplace.

What is catastrophic health insurance? Am I eligible for it?

Catastrophic health insurance is designed for individuals under 30 or those with a hardship or affordability exemption. It offers low premiums but high deductibles.

Will my ACA plan cover my dependents?

Most ACA plans offer family coverage, including coverage for your dependents. The cost and details vary by plan.

Get in touch to discuss family coverage options for your ACA plan.

How can I renew my ACA plan?

ACA plans usually require annual renewal. You can renew or change your plan during Open Enrollment or a Special Enrollment Period if eligible.

Is the ACA free? How can I get a $0 ACA plan?

The ACA isn’t free, but you may qualify for subsidies or tax credits that lower your monthly premiums to $0, depending on your income and family size. Some states also offer Medicaid under the ACA.

Let us help you assess your eligibility for financial assistance and guide you to the most affordable coverage options.