The Affordable Care Act (also known as the ACA, Obamacare or Healthcare.gov) created a framework in which insurance companies must fill specific requirements such as covering certain services and not excluding pre-existing conditions. These plans often have high premiums and deductibles.

• You don’t have access to an employer sponsored plan.
• Your family has pre-existing conditions, such as cancer, rheumatoid arthritis, or MS).
• Someone in your family will need to have elective surgery within 2020.
• Your Annual Household Income is at a level that qualifies for a government subsidy.

It is important to note that the individual mandate requiring individuals to have an ACA insurance plan or pay a tax penalty is no longer.  2019 is the 1st year that Americans will not be penalized for not having an ACA plan.