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Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
or any other type of health or life insurance!

877-734-3884 (TTY: 711)

All Other:
786-970-0740 (CELL)


ACA February 2024





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Latest News and Updates

The first article provides data on enrollments through the State Marketplaces and for the 2024 ACA open enrollment period. About 25% of enrollments were first-time enrollees.

The second article contains a No Surprises Act toolkit to provide guidance for enrollees who are affected by surprise medical bills.

The final article contains information on 1095-A forms and tax reconciliation, as well as information on advance premium tax credits, information on how to determine “affordability” of employer group coverage, and how to make income determinations for purposes of determining eligibility for tax subsidies.


21.3 million people signed up for 2024 Affordable Care Act plans in the 18 states and the District of Columbia with State-based marketplaces and the 32 states using during ACA enrollment which ran from November 1, 2023 through January 16, 2024. About 25% of these enrollees were new to Affordable Care Act plans for the first time.

The above numbers exclude those who were permitted to sign up on state-based exchanges after January 16, as well as those who signed up directly with insurance carriers without subsidies.

Marketplace 2024 Open Enrollment Period Report: Final National Snapshot

The Centers for Medicare & Medicaid Services (CMS) reports that 21.3 million Americans have signed up for 2024 individual market health insurance coverage through the Marketplaces since the start of the 2024 Marketplace Open Enrollment Period (OEP) on November 1. Total plan selections include more than five million people — about a fourth — who are new to the Marketplaces and 16 million people who renewed their coverage.


The table below represents the cumulative 2024 OEP plan selection activity from November 1 through the end of the OEP on January 16 (Week 11+) for the 32 states using and through January 13 for the 18 states and the District of Columbia with State-based Marketplaces.

Marketplace and Consumer Type

Cumulative 2024 OEP Plan Selections

Total: All Marketplaces


New Consumers


Returning Consumers


Total: Marketplaces


New Consumers


Returning Consumers


Total: SBMs


New Consumers


Returning Consumers


For more information, including a state-by-state breakdown of enrollments, please view this fact sheet.


Consumers may view this toolkit for information about understanding surprise medical bills that may have arisen under their new Affordable Care Act plans, protections they have under the No Surprises Act, and to determine how they may resolve related medical billing issues.



As tax season approaches, read these FAQs to learn more about important topics related to tax readiness, including eligibility for Advanced Payments of the Premium Tax Credit (APTC), estimating household income for the Marketplace application, job-based coverage affordability, and more. These FAQs help you understand your 1095-A forms and reconcile your APTC with the premium tax credit (PTC) allowed based on your earned income.

About Paul Cholak

Paul has over forty years of benefits experience and has been Director of Employee Benefits for large companies, as well as a benefits consultant with major consulting firms. He understands the health and life insurance needs of individuals and families of all ages. He also has considerable experience in selling health and life insurance to employer groups.

He guides you through the steps of getting health and/or life insurance and is available to help you both BEFORE and AFTER you've made your purchase decision.

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Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2024 plans began November 1, 2023 and ended January 16, 2024 on the Federal Facilitated Marketplace (

You’re eligible to enroll ONLY if you have a Qualifying Life Event.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2024 Annual Enrollment Period For Medicare Eligibles

The Annual Enrollment Period for Medicare-eligibles that ran from October 15 through December 7, 2023 for a January 1, 2024 effective date has ended.

You’re eligible to enroll now ONLY if you’re first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between Medicare Supplement plans and Medicare Advantage, Medicare Advantage Prescription Drug, and separate Medicare drug coverage (Part D).

Call us at 877-734-3884 (TTY: 711) for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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877-734-3884 (TTY 711)