Any individuals earning up to 400% of the Federal Poverty Level can apply for ACA health insurance to receive expected Subsidies.

Yes, many Americans qualify for ACA plans with a $0 monthly premium, especially after the subsidy expansions under the American Rescue Plan and the Inflation Reduction Act (extended through 2025).

Open enrollment starts from November 1 to January 15 each year for the Federal Marketplace.  State Exchanges are typically November 1 to January 31st, with some exceptions. There are options to enroll all year through Special enrollment periods for those with qualifying special events such as losing coverage, income changes, getting married, having a baby, moving, and so on.

A Special Enrollment is simply the time period following a qualifying life event for you to enroll into your Federal or State Healthcare Market Plan.  This can occur for a variety of reasons so reach out to us to discuss your individual situation, but a few examples of these are if you move to a new zip code, lose coverage or your job, get married or having a child, a large income change or fluctuation, as well as a variety of additional reasons such as low income & some health conditions. 

You can calculate your health insurance subsidy in a few ways.  All NovaVida agents are FFM Certified so please feel free to contact us and we will send you a copy of your updated 2026 Subsidy, you can also run this yourself by selecting the SELF ENROLL or "I WANT TO FIND MY COVERAGE" Button which is our Direct EDE Government Access quoting tool that will allow you to see what your estimated subsidy is using various factors such as your household size & income.   Lastly, you can also go directly to the HealthCare.gov calculator with your annual income and household size.

Without health insurance, you will face thousands in medical bills from unexpected health emergencies, limited access to doctors who require insurance.  On average, a simple emergency visit for a simple broken bone requiring surgery costs upwards of $171,000*.  Even WITHOUT any Subsidy WE have ACCESS to ALL PRIVATE Carriers across the country from Small to Large that can help stay IN YOUR BUDGET and KEEP the Benefits you need!  We are NOT in "Sales" we are here to HELP & use our experience & ACCESS that we have earned over the past 20+ years for YOU!!!

NovaVida has you covered with over 400+ Ancillary plans from all the top carriers, you can bundle them with your QHP Health Plan or even purchase them on their own!  Add some Dental Vision or Hearing benefits, or an Accident & Hospital plan to cover your deductible & help keep your costs down.  Life or Final Expense policies, Cancer, Heart Attack & Stroke Plans, even Pet Insurance or Travel Health Insurance for your European vacation you're worried about being covered at!  Let Us show you how to keep costs DOWN & your benefits UP!