We offer a variety of services that help you navigate the ACA. Click below to learn more.
These insurance products reduce the financial risks you face by paying for costs out of your own pocket. We can address any insurance needs you have, so please let us know if you want to review any of these coverages
Benefits of Gifford Insurance
The health care items or services are covered under a health insurance plan. Covered benefits and excluded services are defined in the health insurance plan’s coverage documents.
Common Coverage Questions
Outside Open Enrollment, you can only get health insurance 2 ways:
- With a Special Enrollment Period. You can qualify if you’ve had certain life events, like losing job-based coverage, having a baby, or getting married, or based on estimated household income.
- Through Medicaid or the Children's Health Insurance Program (CHIP). You can apply any time and can enroll immediately if you're eligible.
You can report changes to the Marketplace 3 ways: online, by phone, or in person — not by mail.
When you have Marketplace insurance, you'll pay your premiums directly to the insurance company — not to the Health Insurance Marketplace®. Your coverage won't start until you pay your first premium.