Individual / Family ACA & Plans

Welcome to our page dedicated to Individual/Family ACA & Plans, where you can find affordable healthcare coverage for yourself and your loved ones. Since 2014 the Affordable Care Act (ACA) has changed the healthcare landscape by providing accessible options for individuals and families to obtain comprehensive health insurance. is the online marketplace that simplifies the process of finding and enrolling in ACA-compliant plans. Read on to discover the benefits and steps to enroll in these plans.

Benefits of Individual/Family ACA & Plans

Essential Health Benefits

ACA plans are required to cover essential health benefits, including preventive care, hospitalization, prescription drugs, mental health services, maternity care, and more. This ensures you have access to a broad range of necessary medical services.

Pre-Existing Conditions Coverage

ACA plans cannot deny coverage or charge higher premiums based on pre-existing conditions. This protection ensures that individuals with pre-existing medical conditions can still obtain affordable and comprehensive coverage.

Financial Assistance

Depending on your income level, family size and a couple other factors you may be eligible for an anticipated premium tax credit “subsidy” that can significantly lower your monthly premiums and in some instances reduce the out-of-pocket costs for Silver level plans through cost share reductions. These subsidies are designed to make healthcare coverage more affordable for individuals and families.

Choice and Flexibility offers a variety of health insurance plans from different insurance providers. We will help you compare plans based on their coverage, cost, and provider networks to find the one that best fits your needs and preferences. There is never any cost for our assistance.

Enrolling in an Individual/Family ACA & Plan

Determine Eligibility

Check if you meet the eligibility criteria to enroll in an ACA plan. In most states, individuals and families can enroll regardless of employment status, age, or health conditions.

Open Enrollment Period

The annual Open Enrollment Period typically runs from November 1st to January 15th of the following year. During this time, you can enroll in a plan or make changes to your existing coverage. Outside of this period, you may qualify for a Special Enrollment Period if you experience certain life events, such as marriage, childbirth, or loss of other health coverage.

Compare Plans

We will help you explore the available plans in your area. Compare their costs, coverage details, and provider networks to identify the most suitable option for you and your family. For this step you will need to provide us additional information about your household and income to determine your eligibility for financial assistance to ensure accurate quotes.

Enroll in a Plan

Once we review the plans we will assist you with confirming your plan selection and completing your enrollment.

Annual Renewal

Each Fall prior to the coming calendar year your plan will renew. We will assist you with updating your account, income estimate for the next year and reviewing your coverage options to ensure we choose the best plan for you and your family for the coming year.

Disclosure: Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Jasick and Associates, LLC. is independent of Sigma Planning Corporation. Form CRS
Important disclosures about Medicare Advantage and Part D Plans: We might not offer every plan available in your area. Please visit or call 1-800-MEDICARE to get inforamtion on all of your options.