Obama Care (ACA) health insurance
Compare Marketplace plans from several companies, see your tax credit, and enroll online in minutes. Or text me and I'll do it with you.
Outside Georgia? Text me and I'll enroll you personally.
All 6 of my states. Enroll by Dec 15 for coverage starting Jan 1. Lost coverage, moved, married or had a baby? You may qualify any time.
How the tax credit works, in plain words
The tax credit lowers your monthly bill. The Marketplace looks at your expected 2027 household income and your family size, then sets how much you should pay for a benchmark Silver plan. The government pays the rest straight to the insurance company.
- Lower income usually means a bigger credit. Some people pay $0 for a Bronze plan.
- The credit works on any metal level. Use it on Bronze to pay less each month, or on Gold to pay less when you see a doctor.
- Silver gets extra help if your income is lower: smaller deductibles and copays, called cost-sharing reductions.
- Income limit: for 2027, tax credits are generally for household income from 100% to 400% of the federal poverty level.
Your tax credit is an estimate. If your income goes up during the year, update it. Otherwise you may owe some back at tax time.
Bronze, Silver, Gold: which one?
| Plan level | Monthly price | When you get care | Good for |
|---|---|---|---|
| Bronze | Lowest | Highest deductible | Healthy, mainly want protection from big bills |
| Silver | Middle | Middle, lower if you qualify for extra help | Most families with lower or middle income |
| Gold | Higher | Low deductible | Regular doctor visits or prescriptions |
2027 dates to know
| Nov 1, 2026 | Open Enrollment starts |
| Dec 15, 2026 | Last day to enroll for coverage starting Jan 1 |
| Jan 15, 2027 | Open Enrollment ends. Enrollments after Dec 15 start Feb 1 |
Georgia uses its own exchange, Georgia Access. North Carolina, Texas, Florida, Tennessee and Alabama use HealthCare.gov. I can enroll you in all six.
How to enroll
- See your priceTap "See my price" to compare plans on HealthSherpa, a secure enrollment site I use.
- Pick a planCheck that your doctors and prescriptions are covered. Text me if you want a second opinion.
- Enroll and payPay your first month to the insurance company to start coverage.
Have ready: birth dates and Social Security numbers for everyone applying (or document numbers for lawfully present immigrants), your income estimate, and any job coverage offers.
Companies I compare
Plans vary by county. Not every company is in every area.
Health insurance in your state
Common questions
Don't see yours? Text 770-288-5220.
Is Obama Care the same as ACA or the Marketplace?
Yes. Obama Care, Obamacare, ACA and "the Marketplace" all mean the same health plans created by the Affordable Care Act.
Who qualifies for a tax credit in 2027?
Most people with household income between 100% and 400% of the federal poverty level who do not have affordable job coverage, Medicare or Medicaid. The extra tax credits from 2021–2025 ended, so the 400% income limit is back for 2027.
What if my income changes during the year?
Report it right away. Your tax credit is based on your income estimate. If you earn more than you estimated, you may have to pay some of it back when you file taxes.
Do I pay more for using an agent?
No. Plan prices are set by the insurance company and the Marketplace. They are the same with or without an agent.
I missed Open Enrollment. Can I still get covered?
You can if you have a qualifying life event in the last 60 days, such as losing job coverage, moving, getting married or having a baby. Text me and I'll check.
See your 2027 price
Most people finish in about 10 minutes.