Health coverage for
independent sales
professionals

Marketplace Option

Could you qualify for an ACAThe Patient Protection and Affordable Care Act, or “ACA” for short, is a comprehensive health care reform law enacted in March 2010. It has three primary goals: make affordable health insurance available to more people by providing subsidies (“premium tax credits”) that lower costs for households with incomes between 100% and 400% of the federal poverty level; expand the Medicaid program to cover all adults with income below 138% of the FPL (not all states have expanded); and support innovative medical care delivery methods designed to lower the costs of health care generally. subsidy?

Individuals making less than $62,600 (families of four under $128,600) may still qualify for premium tax credits on the Health Insurance Marketplace. Select a policy during Open Enrollment each fall — or anytime with a qualifying life event.

Enhanced credits from the American Rescue Plan / Inflation Reduction Act sunset December 31, 2025; standard credits remain available.

• These options are guaranteed and do not require qualification or evaluations to issue the policy.
• As an individual, you pay the policy premium using post-tax dollars.
• You own the policy as an individual, and your policy is portable, regardless of where you work.
• These are defined as Major Medical PoliciesWhen someone is discussing typical health insurance coverage, they are usually referring to major medical insurance. Major medical health insurance covers all the minimum essential benefits and meets the standards of the Affordable Care Act (ACA) for individual and family coverage. It often covers preventive care services, urgent care visits, emergency room visits, prescription medications, and other routine medical expenses..