Small business owners we have affordable healthcare nationwide & HR services!
Welcome to ACA Health Place, We are ACA Certified Agents
ACA "BIG" Changes for 2026!
Here at Ford Insurance Group (FIG), we are aware of the need for affordable healthcare, our goal is to bring to the marketplace the best available health insurance including, the Affordable Care Act (ACA) plans nationwide. Our agents are certified ACA "Obama Care" brokers who can assist in helping you find the best solution and subsidy available.
The Affordable Care Act is the 2010 comprehensive health law known as “Obamacare” or, simply, the ACA. Health insurance through an Affordable Care Act marketplace plan can help to protect you from financial pain if you have an injury or illness.
Affordable Care Act (ACA) Updates
Marketplace Integrity and Affordability Proposed Rule
The Centers for Medicare & Medicaid Services (CMS) introduced the 2025 Marketplace Integrity and Affordability Proposed Rule to enhance consumer protections and ensure the integrity of the Health Insurance Marketplaces. Key proposals include:
- Strengthening Income Verification Processes: To make sure everyone gets the right premium tax credits and cost-sharing reductions, CMS is planning to spruce up the income verification process, helping to cut down on any mix-ups with enrollments.
- Modifying Eligibility Redetermination Procedures: The goal is to make it easier to check eligibility, so folks can get the right coverage smoothly and without any hiccups.
- Excluding DACA Recipients from "Lawfully Present" Definition: The proposed rule suggests removing Deferred Action for Childhood Arrivals (DACA) recipients from the definition of "lawfully present," affecting their eligibility for Marketplace and Basic Health Program coverage.
- Implementing Pre-Enrollment Verification for Special Enrollment Periods (SEPs): To reduce improper enrollments and improve the risk pool, CMS proposes pre-enrollment verification for SEPs, ensuring that only eligible individuals can enroll during these periods.
Reduction in Navigator Funding
The Trump administration announced a significant reduction in funding for ACA navigators, slashing their budget by nearly 90%. Navigators are super helpful in guiding people through enrollment and making sense of their coverage choices. With the funding cut, agents and brokers might need to step up a bit more to fill in the gaps, so it's extra important to stay in the loop and be ready to lend a hand to clients whenever they need it.
What's Shaping the Health Insurance Scene in 2025?
Rising Healthcare Costs
Healthcare costs continue to rise, with premiums and out-of-pocket expenses increasing for many consumers. This trend highlights how important it is for agents to lend a hand in finding budget-friendly coverage options and to help clients understand what's causing these cost hikes.
Integration of Artificial Intelligence (AI) and Advanced Data Analytics
Health insurance is getting a techy makeover with AI and advanced data analytics leading the charge! These tools help create personalized coverage options, predict trends, and make claims processing a breeze, all while boosting efficiency and keeping customers happy. It's a great idea for agents to get cozy with these technologies to offer top-notch service and stay ahead of the game. Just a friendly reminder: always stick to HIPAA guidelines when using AI and keep personal info safe and sound!
Emphasis on Transparency and Compliance
With stricter price transparency regulations in place, there is a heightened focus on compliance. Agents should make sure to share clear and accurate information with clients, so they can confidently make informed decisions about their coverage options.
Expansion of Virtual Health and Point Solutions
The demand for virtual health services and specialized point solutions has grown significantly. Offering clients access to telemedicine and tailored health programs can enhance their healthcare experience and meet the evolving expectations of consumers. ACA plans are also a safety-net option for people who do not have access to job-based insurance or government insurance such as Medicaid and Medicare.
The ACA may allow you to receive a premium tax credit, or premium subsidy, based on your household’s size and income. This will help you save on the monthly cost of your health insurance plan.
Keep reading to find out whether you could qualify for an ACA plan subsidy.
ACA aka Obama Care!
To check to see if you are eligible for a subsidy, click the "Find Out More" button below. Give us a call and we'll help guide you through the process.
There is never a fee for broker assistance with the ACA. Our brokers are paid by the carriers we represent and it does not affect your coverage pricing.
FIG's "Affordable Care Act Carriers"
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