Obamacare Open Enrollment or SEP Enrollment Qualifications
Change of Income
If your income has recently increased or decreased. Millions will qualify here.
Lost Health Coverage
>> Job loss
Became a US Citizen
Recently became a citizen, national, or lawfully present individual.
Change of Marriage Status
New Family Member
>>Had a baby
>>Adopted a child
>>You were adopted
Moved to another zipcode,county or state which qualifies you for Obamacare plan options.
No Longer a Dependent
You turned 26 and can no longer be covered on your parent’s health insurance plan.
>>Misinformation from an Agent
2024 Subsidy + Tax Penalty Calculator
For 2024, if you earn less than $47,080 as an individual (or $97,000 for a family of 4) you’ll receive a tax subsidy to help you pay for some or all of your insurance. Use our calculator to see how much you’ll be eligible for.CALCULATE MY SUBSIDY
Key Standards Under The Affordable Care Act
You must have insurance
If you aren’t enrolled in a health plan in 2024, you’ll receive a tax penalty at the end of the year.Learn More
Tax subsidies for free insurance
If you make less than $47,080 then you’ll be eligible for “subsidies” to help reduce your insurance costs.Learn More
Bronze, Silver, Gold, & Platinum Plans
All health plans now fall into these 4 categories & create new standards for insurance plans.Learn More
Increased Medicare benefits
The expensive “doughnut hole” for those on Medicare will finally begin to shrink and be nearly obsolete.Learn More
No more coverage limits
It’s now illegal for health insurance policies to put limits on how much they’ll pay for your medical bills.Learn More
Pre-existing condition? No problem
Insurers can no longer deny you or charge you more if you have a pre-existing condition.Learn More
Frequently Asked Questions
When is the 2024 Open Enrollment Period?The 2024 Open Enrollment period for Obamacare/ACA health insurance is November 1, 2024 to December 15, 2024. If you miss this window you can’t enroll until the Marketplace re-opens in November 2024 unless you have a special “life event” such as having a baby or losing your job. For complete information on deadlines for 2024 go here..
What happens if I don't sign up for Obamacare?If you don’t have insurance, you’ll be fined and you won’t be able to receive free subsidies to reduce your monthly cost until enrollment re-opens in November 2024. For 2024 the fine is 2.5% of your annual income or $695 per adult, whichever is higher, and there are additional fines if you have children. The fee increases every year based on inflation.
What if I can't afford health insurance?If you’re unemployed or make less than $47,080 a year you can get a subsidy from the government to help you. Try our calculator or start the application process here and your subsidy will automatically be calculated based on the profile information you provide. Also make sure you know all your options and read our "Top 5 Changes for 2024"
How can I get a tax subsidy to lower my monthly cost of insurance?Complete this short profile form and your subsidy amount will automatically be calculated, if you qualify for one. You do not actually receive a subsidy check in the mail, instead you’ll immediately see a discount in your monthly insurance cost on the plan you select. The government then works with your carrier to pay for the subsidy amount you’re eligible for.
How do I enroll?To enroll in Obamacare/ACA health insurance plans complete the short form here.
When does the 201 Open Enrollment Period End?
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