The Patient Protection and Affordable Care Act (ACA) provides numerous rights and protections that make health coverage more fair and easy to understand, along with subsidies (through "premium tax credits" and "cost-sharing reductions") to make it more affordable. TSIG has a custom Health Sherpa portal to the Health Insurance Marketplace (link below) that allows TSIG clients to access all plans offered in their zipcode and identify how much of a premium subsidy they will receive through the ACA for the upcoming year.

During the Open Enrollment Period (OEP) period that begins November 1, insureds can re-affirm their current coverage or switch to new coverage effective January 1 of the following year. A Special Enrollment Period (SEP) is a time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you've had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the event to enroll in a plan. You can enroll in Medicaid or the Children's Health Insurance Program (CHIP) any time. Job-based plans must provide a Special Enrollment Period of at least 30 days.