Under 65 Health Insurance
Affordable Care Act Health Insurance
Uninsured right now and don't want to be? If you're considering shopping the Marketplace for an Obamacare plan, quality healthcare coverage can be yours. And it can be affordable, too, thanks to cost-saving measures guaranteed by the Affordable Care Act (ACA).
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How Do Marketplace Subsidies Work?
Most people are eligible for subsidies on Marketplace insurance — additional savings that reduce your monthly premiums. There are two types: premium tax credits and cost-sharing reductions.
Premium Tax Credits
Premium tax credits make Marketplace insurance more affordable. You can apply the credit monthly to reduce your premium, or receive it in full when you file your annual tax return. The amount depends on your annual income and household size, and it can be used on any metal-tier Marketplace plan.
Cost-Sharing Reductions
Cost-sharing reductions are "extra savings" that apply only to Silver-tier plans. They lower what you pay for deductibles, copayments, and coinsurance — and if you qualify, you'll also have a lower out-of-pocket maximum.
When Can I Get Health Insurance?
Open Enrollment
Each year there is an Open Enrollment period when almost all Americans can buy ACA-compliant health insurance through the Marketplace for the following year. Open Enrollment runs November 1 – January 15 each year — enroll by December 15 for coverage that starts January 1. Missed it? You may still have options.
Special Enrollment Period
You may qualify for a Special Enrollment Period (SEP) if you've had a Qualifying Life Event (QLE) — getting married or divorced, welcoming a new baby, losing a job, or moving to a new county or state. A QLE opens a 60-day window to sign up for a new Marketplace plan at any time of year. The 60 days begin on the date of your QLE.
Ready to Get Started?
Whether you're between jobs, self-employed, or just need better coverage, we'll help you find an affordable plan.
Call us at (864) 256-1719
Email: am@aig.llc
Or simply fill out the form. We'll respond within 24 hours.