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Our team of ACA experts is well-versed in the intricacies of the ACA and can provide accurate information to help you make informed decisions about your healthcare options.

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We understand the importance of finding healthcare coverage that fits your budget. We offer a wide range of ACA quotes tailored to your specific requirements, ensuring you find the best coverage at the most affordable price.

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We recognize that every individual's healthcare journey is unique. That's why we offer personalized assistance, taking into account your household income and specific circumstances, to help you navigate the ACA and find the coverage that suits you best.

With Affordable Care Pros, you can take control of your healthcare options, find affordable coverage, and ensure the well-being of yourself and your family. Empower yourself with knowledge, supported by a team of ACA experts who are dedicated to your healthcare needs.

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Why Choose Us

We Are a Team of Healthcare Experts

With over 20 years of collective experience, Affordable Care Pros is here to guide you toward finding the best healthcare solutions tailored to your budget. We specialize in helping individuals like you navigate the complex world of healthcare and make informed decisions. Our core service revolves around providing you with personalized assistance in finding affordable healthcare options that align with your unique requirements.

  • Expert Guidance
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  • Streamlined Search Experience
  • Personalized Assistance
  • Simplified Enrollment Process
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What Are Some Frequently Asked Questions?

Your Questions Answered

  • What is ACA open enrollment?

    Open enrollment, which runs from November 1 through January 15 in most states, is the annual window during which individuals and families may sign up for ACA-compliant individual and family health insurance or make changes to their existing coverage.

    It’s the only time during the year – other than a special enrollment period – that Americans can sign up for a health plan in the individual/family insurance market, or switch to a different individual/family health plan.

  • When is open enrollment for 2024 health coverage?

    In the majority of the states, open enrollment for 2024 coverage ran through January 15, 2024. But some state-run exchanges have later deadlines, and in Idaho, open enrollment ended altogether on December 15, 2023.

    Enrollments in most states needed to be completed by December 15, 2023 in order to have a plan that took effect on January 1. But there are several states where the deadline for a January 1 effective date was later:

    • In Massachusetts and New Mexico, the deadline for a January 1 effective date was December 23.
    • In New Jersey, Maryland, California, Rhode Island, and Nevada, the deadline for a January 1 effective date was December 31.

    In nearly every state, enrollments completed after December 15 (or the alternate deadline listed above, for states that differ) but before the end of open enrollment had a February 1 effective date, although there are generally a few states where a March effective date is possible during the latter part of open enrollment if the state allows the enrollment window to extend beyond mid-January.

  • How can I make sure my coverage is in effect on Jan. 1?

    Enrollments in most states needed to be completed by December 15, 2023 in order to have a plan takes effect on January 1. But there were some exceptions:

    • In Massachusetts, Rhode Island, and New Mexico, the deadline for a January 1 effective date was December 23.
    • In New Jersey, Maryland, California, and Nevada, the deadline for a January 1 effective date was December 31.

    The chart below shows the start and end date for open enrollment each state. Other than the states listed above, the deadline for a January 1 effective date was December 15, even in states that have extended final enrollment deadlines.

  • What information will I need in order to enroll in a health insurance plan for 2024?

    You can enroll in a health insurance plan online, over the phone, or in-person. But regardless of the method, if you’re enrolling in a plan through the exchange, you’re going to need to have the following information on hand for each enrollee:

    • Name, address, email address, social security number, birthday, and citizenship status. (Proof of lawful residency status may be required).
    • Payment information that the insurer will be able to use to charge your premiums (this will generally be bank account information, but some insurers will allow automatic payments by credit card).
    • A list of medications taken by anyone who will be covered under the policy. Each insurance plan has its own formulary (covered drug list), so you’ll want to check to see which one will best cover the medications you need.
    • Your doctors’ names and zip codes, so that you can check to make sure they’re in-network with the health plans you’re considering.
    • Household size and income (if you’re planning to apply for premium subsidies or cost-sharing reductions). A wide range of documentation can be used to prove your income, including pay stubs, W2s, your most recent tax return, etc.
    • Coverage details and premium for any employer-sponsored plan that’s available to your household (regardless of whether you’re enrolled in that plan or have declined it).
    • If you want to enroll in a catastrophic plan and you’re 30 or older, you’ll need a hardship exemption (note that premium subsidies cannot be used with catastrophic plans, so these are generally only a good idea if you don’t qualify for a premium subsidy, but can meet the requirements for a hardship exemption).
  • Is there a penalty for not having insurance?

    here is no federal government penalty for being uninsured in 2024, but you still need coverage!

    The ACA’s federal individual mandate penalty has been $0 since the start of 2019, and that will continue to be the case for 2024. People who are uninsured do not face a penalty, unless they’re in a state that has its own individual mandate and a penalty for non-compliance. Four states and DC impose tax penalties for not having health insurance:

    • Massachusetts
    • New Jersey
    • California
    • Rhode Island
    • District of Columbia
  • Should I let my existing ACA-compliant health plan renew?

    If you were already enrolled in an ACA-compliant health plan through your state’s marketplace, was it possible to just let that plan automatically renew for 2024? In most cases, yes, assuming your plan continues to be available. But letting your plan auto-renew is not in your best interest.

    Auto-renewal was an option for nearly all exchange enrollees for 2024, although there are some enrollees whose 2023 plan is no longer available in 2024 (for example, enrollees with Oscar Health in Colorado and Arkansas, and Bright Health enrollees in any state).

    If you had a plan through the exchange that is no longer available in 2024, the health plan or the exchange (if the insurance company is exiting the area altogether) likely selected a new plan for you. This is better than becoming uninsured, but it’s always best to select your own replacement plan, rather than relying on an algorithm that an insurer or the exchange will use.

    And even if your health plan continues to be available, relying on auto-renewal is not in your best interest. No matter how much you like your plan, it pays to shop around during open enrollment and see if a plan change is worth your while.

    Here is why:

    • In most states, you have limited opportunities to pick a new plan after your coverage is auto-renewed. The auto-renewal process happens right after December 15, for people who haven’t manually renewed or selected a new plan. Since open enrollment now extends into January in nearly every state, enrollees in most states have until at least January 15 to pick a new plan if they ended up deciding that the auto-renewed option wasn’t the best choice after all. If you decide to make a change in the latter part of open enrollment, your auto-renewed plan will cover you in January, and your new plan will take effect in February. But after January 15, in most of the country, you will not have another chance to change your coverage until the following year, unless you experience a qualifying event.
    • Your subsidy amount will generally change from one year to the next. If your subsidy gets smaller, auto-renewal could result in higher premiums next year. If the cost of the benchmark plan changes, premium subsidy amounts in that area will also change. The benchmark plan for 2024 may or may not be the same plan that held the benchmark spot in 2023. In some areas, there are different insurers offering plans for 2024, and regular annual price changes can result in fluctuations in terms of which plan occupies the benchmark spot. Shopping around for a different plan — as opposed to letting your plan auto-renew – might result in substantial savings. This article illustrates examples of how this works, based on real enrollees’ experiences with 2021 and 2023 coverage. And this article is another example of how subsidy changes can have a drastic impact on net premium changes, and why comparison shopping is so important.
    • If you receive a subsidy, auto-renewal could be dicey even if the subsidy amount isn’t declining. If you rely on auto-renewal (as opposed to manually renewing and completing the financial eligibility determination process for the coming year), the exchange can renew your plan without a premium subsidy in certain circumstances. This includes situations in which you didn’t give the exchange permission to access your financial information in subsequent years, or if you failed to reconcile your premium subsidy on the prior year’s tax return.
    • (Note that throughout the COVID pandemic, the exchanges have not discontinued premium tax credits for people who failed to reconcile a prior year’s premium tax credit with the IRS. The federal government announced in 2023 that this would continue to be the case for 2024, meaning that premium subsidies for 2024 are still available — assuming the person is still subsidy-eligible — even if the person hasn’t reconciled a prior year’s premium subsidy with the IRS. Starting with 2024 coverage, however, the government has proposed a rule change that would result in discontinued subsidies if the person has failed to reconcile prior premium tax credits for two consecutive years.)
    • If your plan was discontinued at the end of 2023, auto-renewal resulted in the exchange or your insurer picking a new plan for you. They tried to assign you to the plan that most closely matched the coverage you had in 2023, but selecting your own new plan is a better option, and is more likely to result in coverage that meets your needs and budget.
    • Auto-renewal might result in a missed opportunity for a better value. Even if the plan you have in 2023 was the best value when you selected it, there may be different plans available for 2024. Provider networks and benefit structures can change from one year to the next, as can premiums. You might still decide that renewing your 2023 plan is the best option for 2024. But it’s definitely better to actively make that decision rather than letting your plan auto-renew without considering the other available options.

Disclaimer and Important Information

Affordable Care Act (ACA)

Affordable Care Act (ACA) is an extensive healthcare reform sometimes referred to as Obamacare. As per ACA, individual medical insurance plans must cover ten Essential Health Benefits in order to be recognized as a Qualified Health Plan (QHP)and provide "minimum essential coverage (MEC)" to enrollees. To find more information on QHP options in your state, visit Premium tax credits are subject to eligibility requirements.

Short Term Medical (STM)

STM Insurance does not provide comprehensive medical coverage and is not minimum essential coverage as defined in the Affordable Care Act (also known as "Obamacare"). STM insurance may not cover all Essential Health Benefits. Check your plan carefully before enrolling. Plans are subject to medical underwriting, and generally do not cover preexisting conditions, and may have lifetime and/or annual dollar limits on health benefits.If your coverage expires, or you lose eligibility, you may have to wait until an open enrollment period to get other health insurance coverage.

Fixed Indemnity/Limited Indemnity Plans

Indemnity Plans are a supplement to health insurance. They are not a replacement for health insurance or a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Plans generally do not cover preexisting conditions (health and other conditions that exist at the time of application), and generally pay you up to the fixed benefit amount for covered services. If you are on (or eligible for) Medicaid, payments from these plans may affect your coverage or eligibility. Check with your Medicaid agency for more dinformation.

Who is is a third-party independent informational and educational website operated by Maven Media, LLC, not a federal or state website. does not provide quotes or sell insurance directly to consumers and are not affiliated with any exchange, nor is a licensed insurance agent or broker. Submission of your information constitutes permission for an Licensed Agent to contact you with additional information about the cost and coverage details of health plans.

Possible options include, but are not limited to Major Medical Plans, Short Term Plans, Fixed Indemnity Plans, and more. Descriptions are for informational purposes only and subject to change. Insurance plans may not be available in all states. For a complete description, please fill out the form on to determine eligibility and to request a copy of the applicable policy. and Maven Media, LLC is not affiliated with or endorsed by the United States government or the federal Medicare program. Quotes may vary depending on various factors, including coverage choices, insurance companies’ underwriting practices, and others. By using this site, you acknowledge that you have read and agree to the Terms of Service and Privacy Policy. We are committed to protect your privacy. If you do not want to share your information please click on Do Not Sell My Personal Information for more details. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.

Please contact or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options. This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at or consult Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. Acme Health is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.


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