The Affordable Care Act
Health Insurance Within Everyone’s Reach
Is the Affordable Care Act and its requirements confusing? I offer personalized assistance to help you explore your options with ease and get the most affordable and comprehensive coverage.
About Me
Helping You To Manage Your ACA Needs!
I am Isaac Orraiz, a licensed health-insurance agent specializing in ACA (The Affordable Care Act) plans. I help individuals and families get affordable coverage tailored to their needs, including dental, vision, hospital indemnity, cancer plans, stroke plans and more. I provide expert guidance every step of the way.
Isaac Orraiz
Insurance Agent
NPN: 21592068
Prefer to self-enroll?
Use our secure HealthSherpa portal to compare plans and enroll in minutes.
Start Self-EnrollmentAvailable in most states. In state-based marketplaces you may be redirected to the official state site.
What is the Affordable Care Act (Obamacare)?
The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive health-care reform law enacted in March 2010. Its goal is to put affordable health insurance within reach of more people, expand the Medicaid program, and foster innovative methods of delivering medical care to reduce costs. Thanks to the ACA, millions of previously uninsured individuals now have access to quality health care.
Who Qualifies?
To be eligible to enroll in health coverage through the Health Insurance Marketplace, you must:
- Live in the United States
- Be a U.S. citizen or national (or be lawfully present)
- Not be incarcerated
There is no income limit to use the Health Insurance Marketplace. Special patient protections under the ACA ensure that insurers cannot refuse coverage based on gender or a pre-existing condition, there are no lifetime or annual limits on essential health benefits, and young adults can stay on their family's insurance plan until age 26.
How to Enroll in a Health Insurance Marketplace Plan
Enrollment in a Health Insurance Marketplace plan can be done during the annual open enrollment period or a special enrollment period triggered by life events like moving or having a baby. Here’s how to get started:
- Schedule a free consultation with me to identify the Marketplace options in your state.
- Let me complete the enrollment process and paperwork for you, step by step.
During the enrollment period, you can:
- Choose a plan for the first time
- Continue with your current plan
- Make changes to your current plan
- Choose a new plan to replace your current one
Note: If you experience a life event or your household income is below a certain amount, you may qualify for a special enrollment period.
Types of Plans
The Health Insurance Marketplace offers a range of plans categorized into four metal tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different level of cost-sharing:
Bronze Plans
- Lowest premiums
- Highest out-of-pocket costs
- Suitable if you want to pay lower premiums but higher costs when you need care
Silver Plans
- Moderate premiums and out-of-pocket costs
- Eligible for extra savings if you qualify for cost-sharing reductions
- Good balance between monthly premium and out-of-pocket costs
Gold Plans
- High premiums
- Low out-of-pocket costs
- Ideal if you expect to need frequent care
Platinum Plans
- Highest premiums
- Lowest out-of-pocket costs
- Best if you need a lot of care and can afford higher monthly premiums
More Options…
Preferred Provider Organization (PPO) Plans
PPO plans offer flexibility in choosing healthcare providers. You can see any in-network provider without a referral, but out-of-network care will cost more.
Point-of-Service (POS) Plans
POS plans combine features of HMO and PPO plans. You need a referral from a primary-care physician to see specialists, but you can receive care out-of-network at higher costs.
Health Maintenance Organization (HMO) Plans
HMO plans require you to use in-network providers and get referrals from a primary-care physician. These plans typically have lower premiums and out-of-pocket costs.
Exclusive Provider Organization (EPO) Plans
EPO plans only cover in-network care except in emergencies. No referrals are needed to see specialists, making them more flexible than HMOs but without out-of-network benefits.
More Info
Important Questions
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