The Marketplace (ACA), explained without the jargon

To enroll through the Marketplace you generally need to be lawfully present in the United States and not have access to other qualifying coverage; many lawfully present immigrants qualify for coverage and for financial help. Bring your immigration document and an estimate of your yearly income and we will check your eligibility together, free.

An ITIN alone does not establish eligibility. To enroll through the Marketplace you generally need to be lawfully present in the United States and not have access to other qualifying coverage; many lawfully present immigrants qualify for coverage and for financial help. An ITIN is a tax number, and Simple Tax can file with one. Bring your immigration document and we will check together, free.

Yes. The Health Insurance Marketplace created by the Affordable Care Act is what people commonly call Obamacare; they are the same thing. SimpleCare Insurance is a licensed independent agency that helps you compare and enroll in those plans in English or Spanish. We are not the Marketplace and not a government agency.

There is no single price. Your monthly premium depends on your household size, expected annual income, age, zip code and the plans available where you live, and you may qualify for financial help that lowers it. We calculate your real monthly number and out-of-pocket costs with you in the free appointment, before you choose.

Open Enrollment for the coming plan year runs Nov 1 – Dec 15. Outside that window you can enroll if a qualifying life event opens a Special Enrollment Period, for example a move, marriage, new baby or loss of other coverage. Dates can differ in states that run their own Exchange. We can check your situation, free.

Common qualifying life events include losing other health coverage, moving to a new area, getting married, and having or adopting a child. Certain changes in income or immigration status can also qualify. Each has its own deadline, usually 60 days from the event. Tell us what changed and when, and we will confirm whether a Special Enrollment Period applies.

Report your best reasonable estimate of the household income you expect for the whole year — for self-employment, income after business expenses. If it turns out different, tell us and we update the Marketplace application. Keeping it current reduces surprises when the premium tax credit is reconciled on your federal tax return.

We compare available health plans from Florida Blue, Aetna, Oscar, Cigna and UnitedHealthcare, plus dental and vision options from Delta Dental, Cigna and Solstice. Which carriers and plans you can choose depends on your county and your eligibility, so we check what is actually available at your address before recommending anything.