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Enroll in Obamacare (ACA Marketplace) — Coverage Starts November 1, 2025

Get expert help comparing health plans, finding financial assistance, and enrolling during the open enrollment period.

Check My Eligibility
─── OBAMACARE

Don’t Miss Open Enrollment

Open Enrollment for Obamacare (Affordable Care Act) coverage runs from November 1, 2025, to January 15, 2026 in most states.

Enroll by mid-December for coverage starting January 1, 2026.

Enroll after mid-December for coverage beginning February 1, 2026.

Some states may have different deadlines — MAPFL will help you confirm your state’s timeline.

Start Your Application
─── How It Work

What Is Obamacare (ACA Marketplace Insurance)?

Obamacare, officially known as the Affordable Care Act (ACA), helps individuals and families get affordable health coverage through the Health Insurance Marketplace.Plans are offered by private insurance companies but meet federal standards for coverage and consumer protection.
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─── OBAMACARE

How MAPFL Helps You Get Covered

At MAPFL, our licensed agents specialize in ACA Marketplace enrollments. We make the process simple and stress-free by providing:

  • Personalized eligibility and subsidy evaluation

  • Plan comparison based on budget and providers

  • Guided enrollment support — from start to finish

  • Assistance with renewals, document uploads, and updates if your income changes

  • Ongoing help throughout the year with claims or plan questions

Schedule My Free Consultation
─── OBAMACARE

How to Get Started

  1. Fill out a quick form to confirm your eligibility.

  2. Review available plans and estimate your monthly cost.

  3. Choose the best plan for you or your family.

  4. Enroll online or with help from a MAPFL advisor.

  5. Enjoy peace of mind knowing you’re covered for the year.

Start My Free Eligibility Check
─── Welcome To Obamacare

Who Can Enroll

You may qualify to enroll in an Affordable Care Act (ACA) Marketplace plan if you live in the state where you are applying, are a U.S. citizen, national, or lawfully present resident, and are not currently incarcerated or eligible for Medicare. This coverage is primarily available to people who do not have access to an affordable, job-based health plan that provides minimum value.

Are a U.S. citizen, national, or lawfully present resident

This core eligibility requirement means that enrollment in Obamacare is open to U.S. citizens, U.S. nationals, and a wide variety of lawfully present residents, including those with certain green cards, visas, or humanitarian statuses.

Live in the state where you’re applying

This eligibility rule requires that applicants must live in the state or service area of the Marketplace plan they are seeking to enroll in to be eligible for coverage.

Are not eligible for Medicare

This condition ensures that the Marketplace is for those who need private insurance, as anyone who is already eligible for the federal Medicare program is instead expected to get their coverage through that system.

Do not have affordable employer coverage

This rule restricts eligibility for financial assistance, requiring that an applicant cannot be offered job-based health coverage that is considered affordable (costing less than a set percentage of household income) and provides minimum value.

Meet income requirements based on household size

To qualify for premium subsidies and cost-sharing reductions, your estimated household income, based on the federally set Modified Adjusted Gross Income (MAGI) calculation, must fall within specific percentages of the Federal Poverty Level (FPL) that are tied to your household size.
Find Out If You Qualify
─── (Subsidies and Savings)

Financial Assistance

Many Americans qualify for Premium Tax Credits or Cost-Sharing Reductions, which can lower monthly payments and out-of-pocket costs.

Depending on your income, some plans may have low or even no monthly premium after subsidies. MAPFL helps you calculate your estimated savings and compare plan options side by side.

Calculate My Savings
─── Understanding Your Rights and Obligations

Legal & Compliance Notice

MAPFL is a licensed agency assisting individuals and families with Affordable Care Act (ACA) Marketplace enrollment.

We are not a government agency or the Health Insurance Marketplace itself. All information provided is for general educational purposes. Actual coverage, plan availability, and eligibility for financial assistance vary by state and individual circumstances.

Ready to Enroll?

Secure Your Coverage: A Step-by-Step Guide to the Enrollment Process

The ACA Open Enrollment period happens once a year — don’t wait until it’s too late. MAPFL’s licensed advisors can help you compare plans, apply for financial assistance, and get enrolled quickly.

Check My Eligibility Now
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