Personal Medical Insurance – Comprehensive “Qualified” Plans

The 2025 Enrollment season is open for comprehensive Individual and Family Health insurance and benefit plans.

The annual federal OPEN enrollment for ACA “qualified” health plans* starts November 1 for coverage that begins January 1, 2025.

Click the button below to get started with your health plan review and self-enrollment on our private health exchange. 

If you are enrolling for health coverage OUTSIDE the approved government enrollment periods, Temporary or Short-Term Medical plans are also available here.  You can also see if you qualify for a SPECIAL enrollment opportunity based on life events.

Our private exchange guides you through the process to enroll yourself in one of our selection of “qualified” comprehensive major medical insurance plans for individuals and families.  We also help you see if your household qualifies for a tax subsidy.

Qualified comprehensive Individual and Family Health plans and rages change every year, based on state insurance department filings by insurance carriers offering these health plans in your state. 

* Also called “ACA” or Affordable Care Act or Obamacare plans.  These health plans are “qualified” to cover pre-existing conditions and preventive care and may include federal premium tax credits and cost-sharing reductions for low-income households that directly lower the monthly consumer cost.  

The OPEN Enrollment period by government regulation ends December 15, 2024 for plans effective on January 1, 2025.  Or, you have until January 16, 2025 to enroll for a plan effective on February 1, 2025.  

ACCESS TO 2025 ACA HEALTH PLANS

Federal and state rules limit your access to ACA “qualified” individual/family comprehensive medical insurance plans covering pre-existing conditions.  These health plans are only available for you to enroll during government-authorized periods.

ANNUAL OPEN ENROLLMENT – The annual national OPEN Enrollment for everyone runs for a limited time each fall.  The OPEN Enrollment for 2025 ACA health plans effective on January 1, 2025 starts November 1, 2024 and closed December 15, 2024.  An extension to January 16, 2025 is available for plans effective February 1, 2024.

SPECIAL or mid-year enrollments are available only for qualified life events.  If you receive notice of a termination from your current health plan, we recommend you enroll for new coverage without delay in order to ensure continuity of coverage, in other words, no break in coverage.

One such life event is the loss of Medicaid coverage.  Starting April 1, 2023, as the COVID public health emergency ended, millions of consumers became eligible to enroll in their own “qualified” individual/family health plan as states began terminating government-paid Medicaid and Childrens Health coverage of those who are no longer eligible.  See the “FAQs on the Benefits Program” page for a full list of mid-year life events that qualify.

PREMIUM TAX SUBSIDIES FOR ACA PLANS

The federal government rules for obtaining premium tax subsidies on ACA health plans change from year to year and were extended during the pandemic by the federal Inflation Reduction Act.

Households with 2025 projected incomes ABOVE 250% of the federal poverty level are generally EXCLUDED from tax subsidies that reduce health plan premiums and cost sharing.

This means if your projected 2025 household income does not exceed 250% of the federal poverty level – about $36,000 for a single-person household, or about $80,000 for a family of four in 2024 – you may qualify for premium tax credits off your 2025 ACA health plan’s monthly premium.  By estimating your 2025 total household income, we help you see if you qualify for a subsidy on the cost of an ACA health plan.

Please keep in mind that health insurance is highly regulated by your state and by the federal government.  Availability, selection and unsubsidized premiums of ACA health plans are subject to government oversight and vary greatly from state to state.

Each year hundreds of health insurers file thousands of these plans with premium rates, county by county, for regulatory approval in the states.  With the help of our technology partner eHealth, we identify and show you the plans we believe are the best value in each area through our annual national due diligence process.  Rates are not negotiable on these health plans but may be tax-subsidized based on household income rules set by Congress.