OPEN ENROLLMENT IS HAPPENING NOW!
MEDICARE · PART D
ACA
Marketplace
Plans
Quality health insurance for individuals and families, with tax
credits that can significantly lower your monthly premium.
We help you compare plans and enroll, at no cost to you.
✔ Free, no obligation
✔ Local Texas advisors
✔ Sí, habla español
What is the ACA Marketplace?
The Health Insurance Marketplace, sometimes called the ACA or Obamacare, is where individuals and families can buy quality health coverage. Every plan covers a core set of essential benefits, and you can never be denied or charged more for a pre-existing condition.
PLAN LEVELS
The four Marketplace plan levelshis is for you
The metal levels describe how you and the plan split costs, not the quality
of care. We will help you pick the one that fits your budget and your health.
Bronze
Lowest monthly premium, higher costs when you use care. A good fit if you rarely see the doctor and want protection from the big stuff.
Silver
A balance of premium and out-of-pocket costs. Often the best value, especially if you qualify for extra cost-sharing savings.
Gold
A higher premium with lower costs when you get care. Great if you see doctors often or take regular medications.
Premium
The highest premium and the lowest costs at the point of care. Best for frequent or ongoing medical needs.
What every Marketplace plan covers
By law, every plan includes these essential health benefits:
✓ Doctor & specialist visits
✓ Prescription drugs
✓ Maternity & newborn care
✓ Lab tests
✓ Hospital & emergency care
✓ Preventive care & screenings
✓ Mental health & substance use
✓ Pediatric care
Most people qualify for savings.
Premium tax credits are based on your income and household size, and they can dramatically lower what you pay each month. We will check exactly what you qualify for, free of charge.
When can I enroll?
During the yearly Open Enrollment Period, or any time you have a qualifying life event such as losing coverage, moving, marriage, or a new baby (a Special Enrollment Period).
HOW WOULD I ENROLL?
Think you qualify? You need to get in sooner than you think.
Most Special Enrollment Periods last only 60 days from the date of your life event. If any of these apply to you, do not wait, your window may be closing.
Lost or losing your health coverage (job change, aging off a parent’s plan, COBRA or Medicaid ending)
Had a baby, adopted, or placed a child in foster care
A change in income that affects your savings
Were recently released from incarceration
Became a member of a federally recognized tribe
Got married or divorced
Moved to a new home, ZIP code, or county
Gained citizenship or lawful presence in the U.S.
A death in the family that changed your coverage
Other qualifying life changes
NO COST · NO OBLIGATION
Ready to get covered?
Book a quick call with a local agent and we will walk you through your options.
Golden Age Financial
· Life. Health. Retirement.
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Phone: 806-221-2070 | Email: cspruill@goldenagefinancial.net
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all of your options.
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