Q&A

ACA (Affordable Care Act):

Question: What is ACA?
Answer: The ACA (Affordable Care Act) is a federal law designed to make it easier for individuals and small businesses in the U.S. to access health insurance.

Question: When can I buy insurance?
Answer: You can buy insurance during a specific time of the year, usually in the fall, called the Open Enrollment Period. If you experience a life event (such as job loss, marriage, or having a baby), you may qualify for a Special Enrollment Period.

Question: Can I get help from the government?
Answer: Depending on your income level and family size, you may qualify for tax credits and other financial assistance to reduce your premiums.

Medicare:

Question: What is Medicare?
Answer: Medicare is a federal health insurance program for Americans aged 65 and older, as well as younger individuals with certain disabilities.

Question: What are the different parts of Medicare?
Answer: Medicare has four main parts:

Part A: Covers hospital insurance (inpatient care, skilled nursing facility care, home health services, and hospice care).
Part B: Covers medical insurance (doctor visits, outpatient care, medical supplies, and preventive services).
Part C: Also known as Medicare Advantage. Offered by private insurance companies, it includes all the benefits of Parts A and B, and often adds extra coverage such as prescription drugs, dental, or vision.
Part D: Covers prescription drug insurance.

Question: When should I apply for Medicare?
Answer: You usually have a seven-month Initial Enrollment Period that begins three months before you turn 65, includes the month you turn 65, and continues for three months after.

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