Making Health & Wealth Accessible to All
ASM Insurance & Financial Services: We are full service insurance professionals here to meet your needs and make the insurance process easy for you. We can take complicated insurance concepts and make them simple to understand. Insurance professionals who have been serving small business owners and the self-employed since 1983. We specialize in providing affordable life and health insurance solutions from the country’s leading carriers. We offer Aflac Supplemental plans as an independent agent representing Aflac. We also offer Critical Illness Plans, Disability Insurance, Long Term Care, Accident Plans, Medicare Supplements and many other benefits including options for those individuals with significant pre-existing conditions from many other carriers. Our jobs as licensed and experienced agents are to bring clarity and insight to the insurance-buying process so that you will get the policy that’s right for you. You can trust us to find the products that will meet your needs and your budget.
2024 ACA Chart
Affordable Care Act
Do You Need Information on Healthcare enrollment? ACA OBAMACARE Health Insurance Annual Enrollment period for 2024 coverage is November 1st, 2023 - January 15, 2024. Call 954-557-7233 today to schedule your personalized assessment for coverage and subsidy qualification. Hurry! Enroll by December 15, 2023 for coverage to begin January 1, 2024! Several new companies have joined the Marketplace for 2024!
What is the Health Insurance Marketplace? The Affordable Care Act has many confusing dimensions. Do I qualify for a subsidy? Can I get coverage without a subsidy? What are the essential health benefits? Which "Metal Plan"
(Bronze, Silver, Gold or Platinum or Catastrophic) meets my needs and budget? How do I navigate the Health Insurance carriers Marketplace? What are the differences between deductibles, coinsurance, copayments and maximum out of pocket costs? Is the lowest premium always the best choice? Are my current doctors within the network for the plan I want to choose?
DO YOU QUALIFY FOR COST SHARING REDUCTIONS?
The Marketplace cost-sharing reduction lowers the amount you have to pay for out-of-pocket costs like deductibles, coinsurance, and copayments. These are costs you have to pay when you get care.This savings is based on your income and family size.
Savings depend on your income.
Health insurance carriers companies offering coverage through the Marketplace must lower the amount you pay out of pocket for essential health benefits if your household income is below the following amounts. Incomes below are based on 2020 numbers. They are likely to be slightly higher in 2021. Amounts are different for each family size. There are lots of questions and we are here to help you. There is never a charge for our service and we will assist you with your plan choices. Once you have decided on a plan, we will guide you through the enrollment process. You will have a dedicated agent for the lifetime of the policy. Our agents are Marketplace Certified and fully licensed in your state of residence and we will actually check your subsidy eligibility and do your enrollment on our web broker website with you right away.
Call Us to Check Your Eligibility
Attention: This website is operated by ASM Insurance & Financial Services and is not the Health Insurance Marketplace website. In offering this website, ASM Insurance & Financial Services is required to comply with all applicable federal laws, including the standards established under 45 CFR 156.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at Healthcare.gov.