Individual and Family Plans

Affordable Care Act (ACA) Plans also referred to as Obamacare are individual and family health plans that provide medical and hospital coverage. Many people qualify for subsidies or additional premium savings based on their income. On-exchange policies are not medically underwritten and do not have waiting periods if you enroll during open enrollment period (November 1st – December 15th). Extended to Jan. 15th 2022.

Short-term plans are outside the realm of ACA Qualifying coverage. These plans can last a few months to a few years at a time. Short-term plans are a great way to get the flexible coverage you need without enrollment periods or disclosing income and tax documentation. These plans are underwritten and may be subject to exclusions or waiting periods.