Finding Health Insurance through the Affordable Care Act that you can afford isn’t always as easy as it sounds. USA Benefits Group makes it easier by finding out what your specific needs are and helping you navigate the different plans to find the best match for you.
To get an ACA Plan (sometimes unofficially called Obamacare), Call USA Benefits Group at (386) 368-7800 during the open enrollment period. (In Florida and most other states, that’s November 1 – January 16. Some states extend that until January 31st.)
Set up an appointment with us even if it isn’t during the open enrollment period. You may qualify for a Special Enrollment Period (SEP) if it is outside of the Open Enrollment Period (OEP).
Even if you don’t qualify for an SEP, we will help you compare different plans, understand the benefits, and determine the best option based on your healthcare needs and budget. There’s nothing wrong with planning ahead.
As brokers, USA Benefits Group offers every available plan option so you can count on us for an unbiased recommendation. Using a licensed professional to assist with your enrollment will ensure accuracy and help prevent any surprises come tax time.
USA Benefits Group is here to help you every step of the way. Our experts will also help you navigate your state’s Insurance Marketplace.
Ready to find your perfect ACA or other Healthcare Plan? Contact USA Benefits Group today, and let us guide you towards securing the health coverage that’s right for you and your family. Fill out this form or click here to schedule an appointment.
The USA Benefits Group Team is dedicated to the principles of service, integrity, professionalism and diversity.
We know it can be difficult to navigate the complexities of choosing the right insurance plan through the Affordable Care Act and the Health Insurance Marketplace.
We work hard to simplify everything and help you find the ACA Plan that best fits your needs.
Consider us your guide to all of your Medicare, Health Insurance, Group Benefits and Life Insurance needs. Our brokers have access to insurance plans that are designed to be affordable while also addressing your specific needs. We will work with you to make sure you have the coverage you need without breaking the bank. Use the menu below for more information.
These acronyms represent different types of health insurance plans, each with its own network rules:
Choosing the right plan depends on your healthcare needs, budget, and preference for provider flexibility. USA Benefits Group is dedicated to helping you choose the ACA Plan that best suits your needs and income. Set up an appointment free of charge and we’ll be happy to help you figure out the base ACA Plan for your unique situation.
Selecting the right plan involves evaluating several factors:
Coverage for specific doctors and prescriptions varies by plan:
Doctors: Each plan has a network of preferred providers. To determine if your doctor is in-network, check the plan’s provider directory available on the insurer’s website or through HealthCare.gov.
Prescriptions: Plans have a formulary, which is a list of covered medications. Review the formulary to see if your prescriptions are included and at what cost tier.
If maintaining access to specific doctors or medications is important to you, we can help you verify their inclusion in the plan’s network and formulary before enrolling. The easiest way to get all of your questions answered is to make an appointment with USA Benefits Group and let us help you navigate the choices. It’s our goal to simplify everything for you. You can also contact us using this form and we will reply as soon as possible.
You can enroll or change your ACA health insurance plan during specific timeframes:
What if I miss the deadline?
Under the Affordable Care Act (ACA), initial rules imposed a federal tax penalty on individuals without health insurance that met the ACA’s minimum essential coverage criteria.
This federal penalty has since been eliminated, but some states continue to enforce their penalties for lack of coverage. To understand the specifics and whether they affect you, consulting a tax advisor within your state is advisable.
For those potentially facing a state penalty, various exemptions could be applicable, ranging from income and health coverage circumstances to group membership or hardship conditions.
If you suspect you might qualify for an exemption, detailed information on potential waivers and the process for application is available at Healthcare.gov, covering both fees and exemptions.
USA Benefits Group is located in Daytona Beach, Florida. If you are in our area, we can set up an appointment to meet with you in person.
Reach out to USA Benefits Group for personalized guidance on navigating the intricacies of health insurance coverage and exemptions. Text us at (386) 368-7800 or click here to set up an appointment.
Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800 MEDICARE to get information on all of your options.
USA Benefits Group is not a federal or state insurance Marketplace or other government website. It does not provide access to any federal or state marketplace or exchange.