Marketplace Coverage with Local Support.
ACA (Obama Care) Health Insurance Plans
Looking for affordable health insurance? The ACA (Affordable Care Act), also known as ObamaCare, created marketplace plans that offer comprehensive coverage—often with income-based subsidies to make them more accessible. At Flaxbeard Insurance Advisors, we help individuals and families across Nebraska understand their options, qualify for savings, and enroll with confidence.
Comprehensive Health Coverage for Individuals & Families
What Are ACA Plans?
ACA plans are available through the federal health insurance marketplace. All plans include:
- Free preventive care
- Coverage for pre-existing conditions
- Essential benefits like hospital care, maternity, prescriptions, and mental health
Depending on your income, you may qualify for:
- Premium subsidies to lower monthly costs
- Cost-sharing reductions (lower deductibles & copays)
We help you determine your eligibility and compare plan levels (Bronze, Silver, Gold, Platinum).
Help with the Marketplace—Without the Confusion
Enrollment Support Made Easy
ACA plans have specific enrollment windows and application requirements. We help you:
- Create or update your HealthCare.gov account
- Estimate subsidies based on your income
- Compare premiums, networks & out-of-pocket costs
- Avoid common mistakes during enrollment
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Whether you’re applying for the first time or renewing your plan, we’ll simplify every step.
A Great Option for Self-Employed & Uninsured Nebraskans
Who This Coverage Is For
These plans are ideal for:
- Freelancers, gig workers & small business owners
- Early retirees not yet eligible for Medicare
- People in between jobs or recently uninsured
- Families looking for full, affordable coverage
If your income has changed or you’ve lost coverage recently, we’ll help you navigate enrollment periods and get the protection you need.
Why Work With Us
Local Experts. Personalized Help. No Added Cost.
We’re certified to help you enroll through the ACA marketplace—and we don’t charge for our services.
As independent advisors, our goal is to:
- Explain your plan options clearly
- Maximize your potential savings
- Help you understand how coverage fits into your larger health strategy
FAQ
Can anyone apply for ACA coverage?
Yes, but you must apply during the Open Enrollment Period or qualify for a Special Enrollment (e.g., job loss, life changes).
What’s the deadline to enroll?
Open Enrollment usually runs from November 1 to January 15. We’ll help you meet deadlines and gather what you need.
Will I qualify for a subsidy?
Most people do. We’ll help you estimate your subsidy and ensure you don’t overpay.
What if I’m already enrolled but want to switch plans?
You can change plans during Open Enrollment—or after certain life events. We’ll help you compare and transition smoothly.