Obamacare/ACA (affordable care act)

​Discounts on premiums if you are low income

Limited to state specific networks

• Mostly HMO or EPO

Best option if:

• You have major pre-existing conditions 

• Qualify for discounts based on income

Typically higher deductibles

Only available during Open Enrollment (Nov 1st - Dec 15th) or within 60 days of a qualifying life event (QLE)

Eligibility based on health

Nationwide PPO networks

Best option if:

• You’re relatively healthy

• Qualify for little or no income-based discounts on the public marketplace

Typically lower deductibles

Available year-round

Tax advantages for business owners