What is "Obamacare" and why does it matter?
"Obamacare" is the popular name for the Affordable Care Act (ACA) and the Marketplace where you compare and buy plans with clear consumer protection rules.
Open Enrollment Period 2026 (Healthcare.gov):
From November 1, 2025 to January 15, 2026 in most states. If you enroll by December 15, 2025, your coverage usually starts January 1, 2026 (some states with their own marketplace handle different dates).
Key Benefits of an ACA Plan
Coverage for pre-existing conditions
They cannot deny you or charge you more for your medical history.
Free preventive services in network
Check-ups, vaccines, and screenings covered.
Children insured up to 26 years old
They can remain on the parents' plan.
Savings based on your income
Tax credits (subsidies) that reduce your monthly premium; and, if you qualify, cost-sharing reductions.
At Unity Financial Network, we use advanced comparison tools to analyze dozens of insurance plans simultaneously. Our platform evaluates premiums, deductibles, provider networks, and benefits to find the perfect match for your needs and budget.
💡 Our comparison process saves you hours of research and ensures you don't miss important details that could affect your coverage.
Advanced comparison tools
What if you miss Open Enrollment?
You could still enroll if you have a Qualifying Life Event (loss of coverage, move, marriage, birth or adoption). You usually have 60 days from the event to apply (in certain Medicaid/CHIP losses, it may extend).
Stress-free application checklist
Personal Information
- Household data (who applies with you) and birth dates
- SSN/ITIN and, if applicable, immigration documents
Financial Information
- Proof of income (pay stubs, W-2, etc.)
- Information about any available employment coverage
Is enrollment complicated? With Unity, no.
Enrolling on your own is possible, but comparing networks, deductibles, and subsidies can be complex. At Unity Financial Network we help you:
Evaluate your situation and budget
Compare multiple insurers and plans
Confirm your eligibility for subsidies
Finalize enrollment and pay your first premium to activate coverage
Unity's Personalized Approach to Your Health Coverage
Expert Consultation Process
Our licensed insurance experts take the time to understand your unique health needs, budget constraints, and family situation. We don't just sell insurance - we build long-term relationships based on trust and personalized service.
- One-on-one consultation with licensed agents
- Comprehensive needs assessment
- Ongoing support throughout the year
Personalized consultation
Complete Family Protection
We understand that health insurance isn't just about you - it's about protecting your entire family's future. Our comprehensive approach ensures every family member gets the coverage they need, from preventive care to emergency protection.
Family Savings: We help families save an average of $2,400 annually through proper plan selection and subsidy optimization.
Complete family protection
Frequently Asked Questions
Who can apply to the Marketplace?
Reside in the US, not have eligible coverage through employer/Medicare/Medicaid/CHIP and meet state requirements. Eligibility for subsidies depends on your projected household income.
When does my coverage start?
Usually the first day of the month after you enroll and pay the first premium, respecting enrollment period date cuts.
Can they ask me for documents?
Yes. They may request verification of income, citizenship/status or special event. We will tell you how and when to upload them.
Apply early (ideally before December 15, 2025) to ensure coverage starts January 1, 2026 and have time to upload any required documents.
Note: some states with their own marketplace may handle different dates than Healthcare.gov. We verify your case during the consultation.