Local support for ACA choices

Choosing a healthcare plan under the Affordable Care Act (ACA) is a personal decision, and your choice needs to reflect your unique situation. I offer one-on-one consultations and take the time to explain the different plan options to you.

Open Enrollment for a plan under the ACA is now until Monday, December 15, for a January 1 effective date.

With changes to the ACA happening every year, you might be wondering if your eligibility for a premium tax credit still exists, or you’re wondering about the right steps to take to apply your premium tax credit and any applicable deadlines. I can help you understand your eligibility and help you receive the financial support available to you. Premium tax credits can represent significant cost savings and you’ll want to make sure you can take advantage of any available opportunities.

2026 Changes

Typically, the ACA market is host to an annual slew of changes, and 2026 is no exception. Here is a list of some of the changes (Source: cms.gov/newsroom/fact-sheets/hhs-notice-benefit-and-payment-parameters-2026-final-rule) you might expect to see applied to your plan of choice:

• Monthly plan costs could increase due to changing market conditions and adjustments to premium tax credits.
• Annual income must be verified.
• Coverage must be renewed during Open Enrollment to keep any federal financial support.

As always, my guidance is available at no cost to you. I look forward to hearing from you.

HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. To reach Scott McEvoy or a member of his team, call 216-480-1385. Virtual, phone and office appointments are available.