Your Home for Obamacare

Our independent agents are here for you to find the perfect policy for your health AND your budget!

High Subsidies

Nearly all Obamacare policies have subsidies to ensure you are covered by great insurance plans. Use our subsidy calculator to see approximately how much you will receive in subsidies. Enroll today.

Great Plans

Unlike navigators, our team can work through multiple plans to find the plan that is perfect for your situation. Find out about the plans we work with here or enroll today.

Peace of Mind

Having Obamacare gives you and your family the security in knowing that your health care will be handled by great doctors and not in the emergency room. Let us help you. Enroll today.

Special Enrollments

You may still be able to sign up for an Obamacare policy outside of open enrollment if any of the following apply.

Lost your insurance?

Whatever the reason, losing your insurance can be stressful. Obamacare can help! Click here to contact our agents to ensure you are covered.

Recently Married?

Congratulations! The best give you can give your spouse is the gift of health care through Obamacare. Click here to contact our agents to ensure you are covered.

New Baby?

Keep your child healthy by signing up for Obamacare. Whether biological or adopted, we can ensure that our agents can assist you in getting the health care coverage your child needs. Click here to contact our agents to ensure you and your child are covered.

Just Moved?

Welcome to the neighborhood! Moving is a tedious process. Health care plans and benefits differ across the country. Let us make your move a little less stressful. Click here to contact our agents to ensure you are covered.

Divorced?

Major changes can be difficult for any family. Let us help you enroll in Obamacare today to keep you and your family covered. Click here to contact our agents to ensure you are covered.

New Citizen?

Welcome to America! Now that you’re here, let’s get you covered! Enroll in Obamacare today! Click here to contact our agents to ensure you are covered.

Released from Incarceration?

As you reenter the community from spending time in a government institution, stay healthy by enrolling in Obamacare. Click here to contact our agents to ensure you are covered.

Newly Independent?

If you are no longer covered by your parent’s insurance, you can enroll in Obamacare today. Click here to contact our agents to ensure you are covered.

Other Circumstance?

Life happens. If something has changed your family or individual circumstances, Obamacare might be available for you. Click here to contact our agents to ensure you are covered.

Questions about Obamacare?

With more than 20,000 policies processed, we are the experts in Obamacare and can answer any questions you might have.

Click on the question below for your answers!

Any significant changes to your household income should be reported to the Marketplace as soon as they occur.  If you are eligible for a tax credit, the income change will most likely affect the amount of assistance you receive and a new eligibility letter will be issued to you. Read More.

If you become eligible for coverage outside of the Health Insurance Marketplace, you may want to cancel your Marketplace plan.  Obtaining job-based coverage or becoming eligible for a program like Medicare, Medicaid or the Children’s Health Insurance Program, would be reason to cancel your Marketplace coverage. Read More.

Using an independent agent has no out-of-pocket expenses for you. An independent agent is paid by the federal government and the health insurance companies to search through hundreds of plans to find you quality health care coverage at a great price.

Simply put, a navigator’s purpose is to help you sign up by showing you how to navigate the Healthcare.gov website. They do not assist with picking the right plan for the budget you need. That is what an independent agent performs for you by using his or her knowledge to find you the perfect Obamacare plan.

There are certain life events that may qualify you for a special enrollment period.  If you are getting married, having a baby, adopting a child or placing a child up for adoption or foster care, losing other health coverage, moving to a different coverage area, being released from incarceration or experiencing a change in citizenship, you may be granted a 60 day window to enroll in a Marketplace plan. Read More.

Open enrollment for the 2016 marketplace plans begins on November 1, 2015 and ends January 31, 2016. Coverage begins January 1, 2016.

If you do not enroll in a 2016 plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a special enrollment period.

 

The insurance that you are able to purchase year-round direct from the companies and without any “special election periods” does not meet the essential health benefits requirements. Meaning that you can purchase insurance during the lock-in period by going direct to the plans but the insurance you are purchasing does not cover all of the legally required benefits and you will still be fined at the end of the year when filing your taxes. Read More.

Catastrophic plans are plans that are available for a lower monthly price. These plans have a higher deductible and you will need to pay the full amount of the deductible, $6,600 for an individual, before the insurance company begins contributing to your medical costs.

You must purchase insurance in the state you officially live in, usually this is the state where you are registered to vote, pay taxes, and register your vehicles.

Plans will offer emergency care in both states but if you are looking for more routine treatment and care you will need to look for a plan with a national provider network to locate in-network providers in both areas you reside in.

You will need to include any earned income that is reported on your W-2. You are also required to report any tips you may receive, unemployment benefits received, alimony, and social security payments. Any withdrawls from an IRA or 401k will also need to be included as well as retirement and pension income. Read More.

You are free to purchase a Marketplace plan; however, your family members will not qualify for a tax credit to help pay the premium unless the cost of your job-based coverage is considered “unaffordable”.  When people are eligible for employer-sponsored coverage, they can only qualify for Marketplace premium tax credits if the job-based coverage is considered unaffordable by following this calculation:

Why Choose Health Insurance Store

With more than of 23 years providing insurance to individuals, the Health Insurance Store is the leading expert in Florida on Obamacare and other insurance needs.

Unparalled Knowledge

For more than two decades, the Health Insurance Store has been a leader in the health insurance industry. We have a lifetime of experience in understanding what people need in regards to their health insurance needs. Our agents work diligently to find the right plan for hundreds of thousands of people just like you!

Read More.

100 Percent Independent

As independent agents, the Health Insurance Store can find the best plan to suit your budget by comparing benefits and costs from dozens of insurance companies. We work with all the top plans and understand what each of them offer and don’t offer. Serving our community has been our priority since day one and we pride ourselves in knowing that we take the time to find the right coverage for you and your family.

Read More.

Year-round, local service

Unlike other health insurance companies, we specialize in personalized services extending beyond open enrollment. Our goal is to be there for you throughout the year, whether it is ‘online’ on the phone or in person. With more than 500 agents throughout Florida, we’re here to serve your individual needs.

Read More.

We're More than Obamacare

For almost any insurance need, we can help you and your family with our team of experts.

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For two decades, we’ve focused on the Medicare market, finding great insurance for seniors across Central Florida, who are on a limited budget. Like Obamacare, we’re 100 percent independent and work with the top Medicare plans. You can trust our agents, who provide year-round support for our seniors.

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Obamacare and taxes are like two peas in a pod. That’s why you need a tax professional who understands your health insurance needs. At ACA Tax Solutions, you’ll find a network of tax professionals who will assist you with your Obamacare and tax questions throughout the year. Read More.

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Are you a health insurance agent or looking to become one? Are you ready for a life changing experience? Let Fischer Services show you how to build your business by working with the leader in serving independent agents. From promoting marketing materials to processing client applications, Fischer Services is your home for success.
Learn more here.

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ANSWERED QUESTIONS