My Choice Health Insurance

Unlocking Healthcare for Black Communities with Obamacare

Our Mission

Our mission at My Choice Health Insurance is to empower and educate communities of color in navigating the healthcare system and accessing affordable health insurance through the Affordable Care Act (Obamacare). We are dedicated to providing personalized, culturally competent support to our clients, and strive to remove barriers that have historically prevented marginalized communities from accessing quality healthcare. We are committed to being a trusted resource for our clients, and to working with them to ensure they have the coverage they need to lead healthy and fulfilling lives. We will work tirelessly to help our clients understand and take advantage of the options available to them through Obamacare, and to help them find the plans that best fit their needs and budget.

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About Us

My Choice Health Insurance, is a black-owned health insurance company that specializes in helping the underserved community access affordable health insurance through the Affordable Care Act (ACA), also known as Obamacare.
At My Choice Health Insurance, we understand that the Black community has historically faced barriers when it comes to accessing quality healthcare. That’s why we are committed to providing the necessary education, resources, and support to help the Black community understand and take advantage of the free to low-cost health plans.

Our team of experienced and knowledgeable professionals is dedicated to helping you understand your options and find a health insurance plan that fits your budget and healthcare needs.

We offer free assistance with enrollment, plan selection, and any other related questions you may have.
We believe that access to affordable healthcare is a right, and we are committed to helping the Black community take advantage of the opportunities provided by the Affordable Care Act (ACA). Our goal is to empower the Black community to take control of their health and improve their overall well-being.
We work with all major insurance carriers, including United Healthcare, Ambetter, BlueCross Blue Shield, Aetna, Molina, Cigna, Oscar health and more, and offer a variety of plans that include Doctor visits, Emergency room, Surgery, hospitalization, Prescription medications, mental health physical therapy and much more.
We also pride ourselves on our personalized customer service and we work with you to find the best plan that fits your needs, we want to make sure you have the right coverage for you

DID YOU KNOW 4 out of 5 of our applicants qualify for a plan that costs less than $10 per month.

OUR SERVICES ARE FREE

YOU MAY QUALIFY FOR A $0 HEALTH PLAN

WE CAN HELP

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Our Partners

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.