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What is the ACA?
The Affordable Care Act (ACA), also known as Obamacare, was created to make health insurance more affordable and accessible for individuals and families. It provides a variety of plan options through a government-run Health Insurance Marketplace, where you can compare coverage, apply for subsidies, and enroll in a plan that fits your needs.
The ACA also offers important protections like guaranteed coverage for pre-existing conditions and a cap on out-of-pocket costs. Plus, many people qualify for financial help based on income, which can significantly lower monthly premiums and deductibles.
Coverage Options in PA, NJ, and Beyond
If you live in Pennsylvania, we’ll shop for health coverage through Pennie—the state’s official health insurance marketplace. It’s where you can compare plans, find out if you qualify for financial assistance, and enroll in the right coverage for you or your family.
In New Jersey, the official marketplace is Get Covered NJ. Like Pennie, it offers tools to compare plans, calculate subsidies, and make sure you’re getting the most affordable coverage possible.
If you don’t live in a state with its own marketplace, we’ll use the federal Health Insurance Marketplace. It works the same way—letting you compare plans, check your eligibility for subsidies, and enroll in coverage that fits your needs and budget.
HOW IT WORKS
Easy, fast and hassle-free!
1
Understanding Your Needs
We begin with a conversation to understand your health goals, budget, and unique circumstances. This allows us to assess your needs and identify the most appropriate coverage options ensuring you’re only paying for what truly benefits you.
2
Exploring Plan Options
Next, we present plans tailored to your specific situation. We’ll walk you through the details, explaining the benefits, costs, and trade-offs in clear, straightforward terms. Our goal is to empower you with the information you need to make an informed decision.
3
Plan Selection & Enrollment
Once you’ve selected the plan that best meets your needs, we’ll guide you through the enrollment process from start to finish. We handle the details to ensure everything is accurate and submitted on time, so your coverage is set up without unnecessary stress.
4
Post-Enrollment Support
Our service doesn’t stop after enrollment. As your agent, we’re here to answer your questions, clarify your benefits, and help you review your options during future enrollment periods. You can count on us as a trusted resource throughout your coverage journey.
HOW HEALTHFOCUS PARTNERS CAN HELP
Sorting through Marketplace options can be confusing, but that’s where we come in. At HealthFocus Partners, our licensed agents provide free, personalized guidance to help you:
Understand your coverage options
Check if you qualify for financial help
Find a plan that fits your needs and your budget
Whether you're enrolling for the first time or updating an existing plan, we’ll walk you through the process, handle the paperwork, and be here to answer questions—before, during, and after enrollment. With HealthFocus Partners, you’re never on your own when it comes to health insurance.
CLIENT REVIEWS
We’re proud to have earned the trust of so many clients who count on us for clear guidance, honest advice, and ongoing support. Their experiences reflect our commitment to making health insurance less overwhelming and more personal. See what real clients have to say about working with HealthFocus Partners.
"It’s rare to find someone who actually listens. Our agent helped me find a plan that covers my prescriptions and even added dental and vision without breaking the bank. Truly helpful from start to finish."
James T., Harrisburg, PA
"What I appreciated most was the ongoing support. Even after I enrolled, Patrick checked in and answered my questions later when I had some billing confusion. They’ve got your back!"
Carol P., Erie, PA
"I wasn’t sure if I needed supplemental coverage, but my HealthFocus Partners agent explained the difference between Medigap and Advantage plans in a way that finally made sense. No pressure, just clear advice."
Robert S., Allentown, PA
GET STARTED TODAY
Clear advice, and quick responses—whether you need a quote or have questions, we make it simple. Got questions? Get answers here.
