What Is ACA Insurance (Obamacare)?

The Affordable Care Act (ACA), also called Obamacare, is a federal health insurance program. It helps millions of Americans get affordable coverage.

GET MY FREE QUOTETALK TO AN AGENT NOW

ACA plans cover:

• Doctor visits
• Hospital stays
• Prescription medications
• Preventive care (checkups, screenings)
• Emergency services
• Mental health care
• Maternity care

The government offers tax credits (subsidies) to lower your monthly premium. Most people qualify.

If you earn between $15,000 and $60,000 as a single person, you likely qualify for help paying for insurance.

Some states charge a penalty if you don’t have health insurance. ACA plans keep you compliant.

Why Your Health Plan and Taxes Need To Match

Your ACA subsidy is based on your income. If your income changes during the year, your subsidy should change too. Most agents just enroll you and forget about you. Then tax time comes. And you owe money.

What can go wrong

• You got too much subsidy during the year. Now you have to pay it back on your taxes.
• Your income went down. You qualified for more help. But you didn't know how to update your plan.
• You didn't have the right coverage. Now you're paying a state penalty.

How we fix this

• We help you choose a subsidy amount that matches your actual income. Not just your guess.
• Income changed? We help you update your plan so your subsidy stays accurate.
• We explain your tax form. What the numbers mean. How to file correctly.
• Through our Tax Experts in Quality Tax Plus Services, Inc., we offer integrated tax guidance.

GET MY FREE QUOTETALK TO AN AGENT NOW

Choose your plan

ACA plans come in three main types: Bronze, Silver, and Gold. Each one balances monthly costs with out-of-pocket costs.

Bronze Plan

Best for: Healthy people who rarely go to the doctor

• Lowest monthly premium
• Highest deductible (you pay more before insurance kicks in)
• Good for catastrophic protection

I WANT THE BRONZE PLAN

Gold Plan

Best for: People who go to the doctor often or take expensive medications

• Higher monthly premium
• Lower deductible (insurance kicks in faster)
• Lower copays

I WANT THE GOLD PLAN

Silver Plan

Best for: Most people. Balanced coverage.

• Moderate monthly premium
• Moderate deductible
• Cost-Sharing Reductions (CSR) available if you qualify

I WANT THE SILVER PLAN

How to Pick The Right Plan

• Step 1: Check Your Subsidy

See how much help you qualify for. This determines your budget.

• Step 2: List your needs

See how much help you qualify for. This determines your budget.

• Step 3: Compare costs

Make sure your doctors and hospitals are in-network. This saves you money.

• Step 4: Check Networks

See how much help you qualify for. This determines your budget.

• Step 5: Enroll

Once you choose, we handle the paperwork. You’re covered.

GET MY FREE QUOTETALK TO AN AGENT NOW

Your Health Insurance Partners

Compliance Disclosure:We’re paid by insurance carriers through commissions. You never pay us a fee.

Harry Deshommes

Licensed Health Insurance Advisor & Professional Tax Preparer | Founder & Owner of Quality Tax Plus Services, Quality Insurance Services, and Enroll Health Now

Ena Yuson

Client Care Coordinator

Chris Deshommes

Licensed Health Insurance Advisor & Professional Tax Preparer | Owner of Quality Tax Plus Services, Quality Insurance Services, and Enroll Health Now

Serving Families Across 7 states

We help individuals and families in:

• Florida
• Texas
• Louisiana
• Indiana
• Ohio
• North Carolina
• South Carolina

Open Enrollment Is Here

The window to enroll is limited. Don’t wait until an emergency forces you to decide.

Open Enrollment: November 1 – January 15

GET MY FREE QUOTETALK TO AN AGENT NOW

Download your free guide now!
(No spam, we promise)

Email DOWNLOAD MY FREE ACA GUIDE

Frequently Asked Questions (FAQs)

Do you charge me anything?

No. We’re paid by insurance carriers. You pay $0 for our service.

Can I keep my current doctor?

Maybe. We’ll check if your doctor is in-network before you enroll.

What if my income changes?

Call us(954) 969 0012.We’ll help you update your plan so your subsidy stays accurate.

What's covered?

All ACA plans cover essential health benefits: doctor visits, hospital stays, prescriptions, preventive care, emergency services, mental health, and more.

When does coverage start?

It depends when you enroll:

• Enroll by the 15th of the month → Coverage starts the 1st of next month
• Enroll after the 15th → Coverage starts the 1st of the month after next

Can I cancel anytime?

You can cancel during Open Enrollment or if you qualify for Special Enrollment. Outside those times, you’re locked in.

GET MY FREE QUOTETALK TO AN AGENT NOW

Ready to see what you actually qualify for?

ACA coverage that fits your life AND your taxes. Avoid penalties. Maximize savings. Plus next-day dental and vision. Get your FREE consultation + quote via phone call, in-person visit, or virtual meeting.

GET MY FREE QUOTETALK TO AN AGENT NOW

ENROLL HEALTH NOW

• Back by the same team as: Quality Tax Plus Services Inc
• From the same team as: Quality Insurance Services

© Enroll Health Now 2025.