ACA Insurance 101: What It Is & Why It Matters

Taking the Confusion Out of Health Insurance

Health insurance doesn’t have to be complicated. If you’re under age 65 and not covered by an employer or government program like Medicare, the Affordable Care Act (ACA) may offer you the coverage—and savings—you need.

At F.S.B.G. we’re here to make sense of it all so you can get the health care you deserve, without the stress.

✅ What Is the ACA?

The Affordable Care Act, also known as “Obamacare,” was created to ensure that every American has access to affordable, comprehensive health insurance. Through the Health Insurance Marketplace, individuals and families can shop for private plans—often with financial help available based on income.

💡 What Does ACA Insurance Cover?

Every ACA plan must cover a list of 10 essential health benefits, including:

• Doctor visits

• Hospitalization

• Prescription drugs

• Mental health services

• Preventive care (like vaccines and screenings)

• Maternity and newborn care

• Emergency services

• Pediatric care

Even better? You can’t be denied coverage for pre-existing conditions.

💲 Can You Afford It? (Yes!)

Many people qualify for premium tax credits that reduce their monthly costs. In fact, 4 out of 5 people find plans for $10/month or less after subsidies!

You may also qualify for cost-sharing reductions that lower deductibles and copays.

🔍 Who Is ACA Insurance For?

ACA coverage may be right for you if:

• You’re under age 65

• You don’t have access to employer-sponsored insurance

• You’re self-employed, a freelancer, or recently unemployed

• You want peace of mind with comprehensive coverage

🗓️ When Can You Enroll?

• Open Enrollment: Starts November 1

• Special Enrollment: If you’ve had a life change like losing job coverage, getting married, or moving to a new state, you may qualify now

👩‍⚕️ Why Work With F.S.B.G.?

We’re not just here to sell a plan—we’re here to help you understand your options and choose what’s best for your health and your budget.

When you work with us, you’ll get:

• Free, friendly guidance from licensed experts

• Help checking your subsidy eligibility

• Personalized plan recommendations

• Support during and after enrollment

📞 Let’s Talk—No Pressure, Just Help

Health insurance is personal—and we’re here to make it simple.

👉 Schedule your free consultation and get the answers you need to move forward with confidence.