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What is the Affordable Care Act?
The Affordable Care Act (ACA) is a federal law designed to make health insurance more affordable and accessible for individuals and families in the United States. It created a marketplace where you can compare and enroll in health plans that must cover essential benefits like doctor visits, prescriptions, preventive care, and emergency services.
The ACA also provides financial assistance — in the form of tax credits and subsidies — to help lower monthly premiums and out-of-pocket costs for those who qualify. It protects people with pre-existing conditions from being denied coverage and ensures plans meet minimum standards for quality and coverage.
How Qualification is Determined?
Income Level – Your annual household income compared to the Federal Poverty Level (FPL) determines if you qualify for subsidies that lower your monthly premium or out-of-pocket costs.
Household Size – The number of people you claim on your tax return affects your income limits for financial help.
Location – Plans, pricing, and subsidies vary by state and ZIP code.
Enrollment Period – You must apply during Open Enrollment or after a qualifying life event (like losing coverage, moving, or changes in household).
Lotus Nexus Insurance (NPN: 21010831) is a licensed, independent insurance agency. We are not affiliated with HealthCare.gov, any federal or state Marketplace, Medicare, or any government program.
We do not offer every plan available in your area. Our recommendations are limited to the plans we do offer, based on your location and eligibility. For a complete listing of Qualified Health Plans available in your area, please visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325).
By submitting your information on this site, you agree that a licensed agent may contact you to discuss your options. Plan availability and eligibility vary by state and individual circumstances.