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The Affordable Care Act (ACA) commonly known as Obamacare or Bidencare, offers subsidized health insurance plans to individuals or families who meet certain income requirements and other criteria. Those who qualify, can browse various health care plans available in the Health Insurance Marketplace, and get a reduced cost in the monthly premium.
To qualify for a subsidized ACA plan, you must meet the following requirements:
- Have a SSN. People with an ITIN may want to consider short-term plans
- Provide personal tax returns, or if you are married, joint forms
- Meet the minimum annual income requirements established by the U.S. government ($13,590 for individuals, $18,310 for couples)
Get free help! Finhabits can help you determine if you or your family qualify for a subsidized plan. To speak with our team at no cost, call 1-800-370-3181. Support is available on weekdays from 7 am to 5 pm PST.
Finhabits can help you determine if you or your family qualify for a subsidized plan from the Health Insurance Marketplace. Additionally, our team can help you compare the plan costs and coverage options available to you.
Get free help! To speak with our team at no cost, call 1-800-370-3181. Support is available on weekdays from 7 am to 5 pm PST.
Yes, Finhabits offers dental and vision plans as standalone or alongside your health plan. Our team can help you compare plan options from popular carriers.
Get free help! To speak with our team at no cost, call 1-800-370-3181. Support is available on weekdays from 7 am to 5 pm PST.
It's a type of health insurance that provides temporary coverage when you're between health plans, outside enrollment periods, or need coverage in case of an emergency.
Shop around and compare quotes from different providers. Consider discounts for safe driving, bundling policies, or having a good credit score.
Comprehensive and collision coverage are optional but can be beneficial if you have a newer vehicle or a car loan. They cover non-collision-related incidents and damages to your car from collisions.
Assess your driving habits, vehicle value, and financial situation. Consider factors like coverage types, limits, and deductibles that meet your needs.
Home Insurance
Home insurance generally covers your home's structure, personal belongings, liability for injuries or damages, and additional living expenses if you’re temporarily unable to live in your home.
Evaluate the cost to rebuild your home with similar materials and quality. Consider factors such as local construction costs, home features, and labor.
Liability coverage protects you financially if someone is injured on your property or if you accidentally damage someone else's property.
Other Personal Insurance
Renters insurance protects your personal belongings, offers liability protection, and may cover additional living expenses if you’re displaced. It’s recommended for all renters to safeguard their assets.
Life insurance can cover outstanding debts, funeral expenses, and leave a financial legacy. It can be helpful even without dependents, depending on your financial goals.
Consider factors like coverage for hereditary conditions, wellness care, reimbursement levels, deductibles, and whether the policy covers pre-existing conditions.