How to Enroll in Health Coverage with Find The Plan
Our experts at Find The Plan know the health insurance industry inside and out, and we're prepared to support you throughout the enrollment process in four simple steps.
Take the PlanMatch Quiz-
Complete Our PlanMatch Tool
PlanMatch only takes five minutes to complete and allows our agents to have a better understanding of what you need before even getting on the phone.
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Choose Your Preferred Time to Connect
You have the choice to talk to an agent right after you complete the PlanMatch tool (during business hours) OR schedule an appointment for our experts to call you.
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Pick The Plan That Works for You
It only takes about 15 minutes for us to review your health insurance options. Once you choose a plan, we’ll help you enroll!
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Begin Receiving Your Benefits
We’ll make sure you receive your new insurance card and information about your plan, and you’ll enjoy your new benefits once your effective date arrives.
Am I Eligible For Health Insurance Subsidies?
The Affordable Care Act (ACA) requires everyone to have health insurance. If you do not receive healthcare coverage through an employer, Medicare, or Medicaid, you may be eligible for federal financial help to assist you in paying for your plan.-
What is a Health Insurance Subsidy?
Health insurance subsidies were established through the ACA to help individuals and families offset costs related to health insurance. There are two types of health insurance subsidies; The Advanced Premium Tax Credit which helps lower your monthly premium costs depending on your income and household size, and Cost-Sharing Reductions, which are extra savings related to out-of-pocket costs, including lowering your deductible, coinsurance, copays, and out-of-pocket maximum .
![What is a Health Insurance Subsidy?]()
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Can I Get a Subsidy?
To qualify for a health insurance subsidy, you must meet one of the following criteria: if your household income is between 100% and 250% of the federal poverty line, you are eligible for both the Advanced Premium Tax Credit and Cost-Sharing Reductions; if your household income is more than 250% of the federal poverty line, you could be eligible for the Advanced Premium Tax Credit and pay no more than 8.5% of your expected annual income towards premiums.
![Can I Get a Subsidy?]()
When Can I Enroll in Health Insurance?
There are a few windows of opportunity available for you to enroll in a private health insurance plan.
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The Marketplace Open Enrollment Period lasts from November 1 to December 15 of each year. During that time, you are free to enroll in ACA-compliant health insurance for yourself or your family or make changes to your health insurance plan.
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Any significant change in your household qualifies you to revisit your health insurance coverage. Examples of this SEP include marriage or children (either birthed, adopted, or fostered). You have 60 days after the change in household to qualify for this SEP.
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If you or anyone in your household lose minimum essential coverage, you qualify to enroll in a new plan. Examples of this SEP include losing job-based coverage, turning 26 and losing access to a parent’s health plan, and losing eligibility of Medicare or Medicaid. You have 60 days before and after the loss of coverage to qualify for this SEP.
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Health insurance plans are dependent on your primary residence, so moving offers new health coverage options available to you and your family. Examples of this SEP include moving to a different zip code, a student moving to or from where they attend school, a seasonal worker moving to or from where they live and work, and a move to or from a shelter or transitional housing. You have 60 days after the change in residence to qualify for this SEP.
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A shift in eligibility opens an opportunity to revisit your healthcare coverage. Examples of this SEP include a change in income that affects the coverage you qualify for, becoming a U.S citizen, gaining or maintaining status of a federally recognized tribe or an Alaska Native Claim Settlement Act Corporation shareholder, and leaving incarceration. You have 60 days after the change in eligibility to qualify for this SEP.
