It is an ACA health insurance plan obtained through private insurance carriers, where after government funded tax credits are applied for qualified applicants, the monthly premium is reduced to $0,

These tax credits are funded through 2025 in the Inflation Reduction Act passed by Congress in 2022.

Also funded are cost sharing reductions that lower out of pocket expenses such as co-pays and deductibles.

All ACA plans must:

• Cover pre-existing conditions, including pregnancy.

• Provide free preventative care.

• Let you pick your doctor.

• No referrals needed for OB/GYN services.

• Provide a short plain-language Summary of Benefits

Zero-premium plans are offered through our trusted private insurance company partners.

About 4 out of 5 applicants are eligible for a $0 premium policy. Eligibility depends primarily on income, number of people on tax return, and location.

The tax subsidy credits used to lower premiums, are targeted to people who/whose:

• Income is 100%-400% of the Federal Poverty Level.

• Are not eligible for other health insurance.

• Other insurance is too costly. (Over 9.12% of income)

Income can be unpredictable, seasonal or changing. The Marketplace is flexible with hard to predict income and will accept estimates. Send us a text, email or call, to get guidance for your personal situation.

Yes.

Pre-existing conditions are covered including pregnancy.

There will often be some costs to pay out-of-pocket when you access medical care.

These costs include co-pays, coinsurance, and/or deductibles. These out-of-pocket costs vary according to plan.

These costs will be clearly outlined in the Summary of Benefits and Coverage that you receive upon enrollment.

The majority of $0 premium policies do not include dental coverage. (except for minor children)

Plans with dental included are available at extra cost.

Separate dental and/or vision policies can usually be purchased as an add-on to $0 premium plans.

You don't have to keep it. If you decide soon enough, it will never take effect. You can always cancel at any time. We will only enroll you in a $0 premium plan, so no money is ever due, so no risk to you.

So why not at least apply to see if you qualify for a $0 premium plan?

You can always cancel if the plan doesn't help you, or...

you could get a plan that makes a difference in your life. And maybe you sleep better at night, knowing you can afford your future health needs.

Of course you can!

We welcome your call. We love to offer personalized service and that includes your preferred way to communicate.

Our phone number is (863) 272-7744. If we miss your call, we return calls within 24 hrs.

To make a phone appointment on our calendar, click the link below to book your appointment. We will send a reminder text and call you at the scheduled time.

https://calendly.com/gary-veach/aca-answers