Lower Income or Pre-Existing Conditions? The ACA Is Your Option
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Book a health insurance appointment with a licensed agent — ACA Marketplace (Obamacare) plans, subsidies and enrollment. No cost, no obligation.
Key enrollment dates
- Medicare Annual Enrollment (AEP)
- October 15 – December 7
- Changes take effect January 1.
- ACA Marketplace Open Enrollment
- November 1 – January 15
- Extended window for late enrollment.
- January 1 effective date
- Apply by December 15
- Enroll or change plans by Dec 15 for coverage starting Jan 1.
- Late ACA enrollment
- December 16 – January 15
- Coverage starts February 1 instead.
Get free enrollment help before the deadline
Free review with a licensed Texas agent based in Katy. We'll tell you honestly if the ACA is still your best fit.
Guaranteed acceptance — only on the Marketplace
ACA plans cannot turn you down, charge you more, or exclude treatment because of your health history. Cancer, diabetes, heart disease, pregnancy — none of it affects your eligibility or your premium.
Non-ACA products work the opposite way: they medically underwrite, which means they can decline applicants, exclude conditions or cap benefits. For anyone with a significant medical history, those products are simply not a safe substitute.
Subsidies — only on the Marketplace
Premium tax credits that lower your monthly cost exist only on the ACA Marketplace. For 2026 coverage, households under 400% of the federal poverty level generally qualify, and the credit can reduce premiums dramatically.
No alternative product offers any subsidy. If you qualify for meaningful tax credits, the Marketplace will almost always be your lowest-cost real coverage.
Beat the deadline — book your free review
Free review with a licensed Texas agent based in Katy. We'll tell you honestly if the ACA is still your best fit.
What to do during open enrollment
Open enrollment runs November 1 through January 15, and applying by December 15 gets you a January 1 start. A licensed agent can estimate your subsidy, compare plans and complete the application with you — at no cost to you.
Frequently asked questions
Schedule your free enrollment review
Related guides
Not sure which deadline applies to you? Let's look together.
Free review with a licensed Texas agent based in Katy. We'll tell you honestly if the ACA is still your best fit.
*Some ACA plans in some areas have a small one-time enrollment fee due to little or no broker compensation. Agency enrollment fees never apply to Medicare products.