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Health Insurance Agency Specialists

ACA Marketplace is The Most Affordable Health Insurance Available to Individuals and Families.
Obamacare for Our Community

My Choice Health Insurance is a health insurance agency specializing in the ACA Marketplace known as Obamacare, Trumpcare, and Bidencare. We proudly help individuals and families of all backgrounds; however, we specialize in working with communities often underserved.  Our Licensed and Certified agents help individuals and families who qualify to enroll in a $0 (free) or low-cost health insurance plan through Obamacare.  My Choice Health Insurance has a personal and deep understanding of the barriers that individuals face in accessing quality healthcare for an affordable cost.  We are committed to helping educate people at no cost (our services are 100% free).

My Choice Health Insurance is staffed by a team of experienced professionals who are available to help you with qualifying for a subsidy that can lower your health insurance cost, selecting a health insurance plan of your choice, and answering any questions related to health insurance. Our company goal is to empower individuals to take control of their health and improve their overall well-being by providing access to free or low-cost health insurance plans.  In order to achieve this cheap health insurance, My Choice Health Insurance has partnered with some of the top insurance carriers, such as United Healthcare, Ambetter, BlueCross Blue Shield, Aetna, Molina, Cigna, Friday Healthcare, and Oscar health to offer a variety of health insurance plans. These plans cover a wide range of benefits including but not limited to doctor visits, emergency room, surgery, hospitalization, prescription medications, mental health, and physical therapy.  These plans do not discriminate based on pre-existing conditions regardless of if you have diabetes, high blood pressure, or any other type of health condition. 

My Choice Health Insurance Family
My Choice Health Insurance Hispanic Family

At My Choice Health Insurance, we take pride in the belief that access to affordable healthcare is a right for all Americans. We are committed to helping people take advantage of the opportunities provided by the ACA Marketplace Obamacare. Our personalized customer service sets us apart, and we work closely with you to find the best health insurance plan that fits your needs and budget. Our mission is to provide the necessary education, resources, and support to help individuals understand their health insurance options and make informed decisions about their healthcare.

Understanding the health insurance market is confusing, but we are experts in Obamacare so you don’t have to do it alone. Regardless if you need a new plan, want to switch plans, or looking for cheap health insurance, we offer our assistance to you for no charge.

Losing Medicaid

We also assist people who are losing Medicaid or CHIP to qualify for a free or low-cost health insurance plan through the Marketplace.  With recent changes in the law millions of Americans are losing Medicaid and are in jeopardy of not having healthcare coverage at all.  We follow a simple process to qualify and enroll you and your family in as little as 10 minutes to ensure you do not have a gap in your insurance coverage and your health is protected. 

Montgomery is the capital city of Alabama. The Alabama River runs along the city with its gentle rolling terrain. The city has a population of around 200,000 and a metropolitan population of just under 400,000 people. It is a diverse city with a large African American population. Montgomery was an important part of the Civil Rights Movement. The city is famous for Rosa Parks who would not give up her bus seat because of the color of her skin. This led to the Montgomery bus boycott that helped end segregation on public buses. Dr. Martin Luther King Jr. was a local pastor at the Dexter Avenue King Memorial Baptist Church. This along with the Rosa Parks Museum are popular tourist destinations. Iconic country music singer Hank Williams has a museum dedicated exclusively to his life and legacy. The museum showcases over 35 relics that capture the musicians’ past. The Alabama State Capitol is a beautiful building that is a must see. Montgomery also has its own riverwalk. You can enjoy a causal stroll along the Alabama River or take a ride along the riverboat cruise. The city has one of the more popular zoos in the state. The Montgomery Zoo is home to over 500 species in a delightful park. The Maxwell Air Force Base and the Air University Museum allows a view into the aviation of the United States military. Montgomery is a great place to enjoy some delicious food. With its Alabama roots, southern food is a must to indulge in when in the city. All the classics like fried chicken, collard greens, black eyed peas, corn bread and more are made with love and sweat throughout the city. El Rey Burrito lounge serves up some of the best Mexican food in the entire state. The National Peanut Festival is held annually each autumn and highlights Alabama’s thriving peanut history past and present. The festival focuses on peanuts but also offers rides, exhibits and fun with friends and family.

Our Alabama Locations

Birmingham | Huntsville | Mobile | Montgomery

Frequently Asked Questions

ACA / Obamacare Plans:

1. What is the Affordable Care Act (ACA)?

The Affordable Care Act (ACA) is a federal law that was signed into law in 2010, which aims to make health insurance more affordable and accessible for individuals and families.

2. When is the open enrollment period to enroll in a health plan?

November 1st through January 15th.

3. What if I need health insurance outside the open enrollment period?

You may still qualify under the special enrollment period based on your income level or a life change. Please refer to the Special Enrollment section.

4. Is ACA the same as Obamacare?

Yes, the Affordable Care Act (ACA) and Obamacare are the same thing. They both refer to the same law.

5. Does everyone qualify for an ACA plan?

Most U.S. citizens and legal residents are eligible for coverage under the ACA. However, there are some exceptions, such as individuals who are incarcerated or in the country illegally.

6. What if I can't afford Obamacare?

If you can’t afford health insurance, you may qualify for subsidies or Medicaid under the ACA.

7. Is pediatric dental covered in Obamacare?

Pediatric dental and vision care are considered “essential health benefits” under the ACA, which means that they must be covered by all health insurance plans offered through the ACA Marketplace.

8. Do all health insurance plans cover maternity care?

Yes, maternity care is considered an “essential health benefit” under the ACA, which means that it must be covered by all health insurance plans offered through the ACA Marketplace.

9. How is vision covered under the Affordable Care Act?

Vision care is considered an “essential health benefit” under the ACA, which means that it must be covered by all health insurance plans offered through the ACA Marketplace. Some plans may have additional vision coverage options.

10. What are pre-existing conditions?

Pre-existing conditions are health conditions before an individual’s enrollment in a health insurance plan.

11. How does the ACA ensure that people with pre-existing conditions can get health insurance?

The ACA prohibits insurance companies from denying coverage or charging higher premiums based on pre-existing conditions that existed

Special Enrollment Period (SEP):

1.What is special enrollment period?
A special enrollment period is a specific time frame during which individuals can enroll in a health insurance plan outside of the regular open enrollment period.
2.Can I get healthcare coverage outside of open enrollment period?
Yes, if you qualify for a special enrollment period, you can enroll in a health insurance plan outside of the open enrollment period.
3.How do I qualify for special enrollment period?
You may qualify for a special enrollment period if you income falls below 150% of the Federal Poverty Level (FPL) or if you have experienced a qualifying life event such as losing employer-sponsored coverage, getting married, having a baby, or moving to a new area.
4.When is the Special Enrollment Period? The
The Special enrollment period is from January 16th through October 31st.
5.What if I'm turned down for special enrollment period, but I think I qualify?
If you believe that you qualify for a special enrollment period but have been denied, you can appeal the decision. You may also reach out to the Marketplace Call Center for assistance in determining your eligibility for a special enrollment period.

Medicaid and CHIP:

1.What is Medicaid?
Medicaid is a joint federal and state program that provides health coverage to low-income individuals, families, and children. Eligibility and benefits vary by state.
2.What does Medicaid cover?
Medicaid coverage varies by state, but generally it covers services such as doctor visits, hospital stays, prescription drugs, and preventive care. It also covers long-term care services and supports for elderly and people with disabilities.
3.What is CHIP?
CHIP (Children’s Health Insurance Program) is a federal-state partnership that provides health coverage to children in families with income too high to qualify for Medicaid but too low to afford private coverage.
4.Who pays for Medicaid?
Medicaid is jointly funded by federal and state governments. The federal government provides a portion of the funding, and states provide the remaining funding and administer the program.
5.Can I use my Medicaid coverage in each state?

Medicaid coverage is usually valid only in the state where it was issued, but there are some exceptions for certain situations, such as travel or if you move to another state.

6.What is the Medicaid coverage gap?
The Medicaid coverage gap refers to the group of people who fall into a gap in coverage due to the fact that they don’t qualify for Medicaid and don’t make enough to qualify for subsidies to buy insurance under the Affordable Care Act (ACA).
7.Do you need to worry about open enrollment if you qualify for Medicaid?
No, if you qualify for Medicaid, you can enroll in coverage at any time throughout the year.