The “Affordable” Care Act or ACA, commonly known as “ObamaCare” has not turned out to be affordable for many Americans, especially the self-employed who do not receive a subsidy.
This website is designed to help you find the best options available, at any time of the year, regardless of your circumstances. So, don’t give up hope, there are some ways you can get affordable healthcare that are legal and will not subject you to an IRS tax penalty.
So, take a deep breath and we’ll walk you through the options available!
Get started
Pick your situation below by clicking on your category of employment:
- Employed at a job that offers health insurance plans?
- Self-employed or your employer does not offer health insurance?
- Unemployed?
- Poor ?
- Age 65 or older, disabled or have End-Stage Renal Disease (ESRD)?.
Explanations of types of insurance
For an understanding of each type of insurance, see these pages:
- Employer-supplied health insurance
- Obamacare / Healthcare.gov or your state exchange
- Medicaid
- Medicare (over 65)
- Short-term medical insurance
- Catastrophic medical insurance
How to choose an insurance plan
How you select your plan depends upon which type of plan(s) you are subject to:
- How to select employer-provided plans
- How to select a plan on Healthcare.gov or your state marketplace
ObamaCare, (aka, “The Affordable Care Act”, HealthCare.gov, The Marketplace)
We’ve boiled down the thousands of pages of the law and rule (we read the rule after they passed it…) and here is the condensed version:
- Obamacare Basic Requirements and Facts
- Exemptions to requirements
- Open enrollment and Special enrollment periods
- How to estimate your income to determine eligibility for subsidies