We are gearing up for
Health Insurance Open Enrollment 2026 
​and you need to get ready too!

2026 ​Open Enrollment for Individuals begins November 1, 2025 ​and ends January 15, 2026. 

Tax-credits are changing

  • The income cliff is back: If your 2026 income falls over the maximum, you will owe all of your 2026 tax-credit back on taxes
  • Here are the income limits for a tax-credit in 2026
Note : You may receive information from your insurance carrier about 2026 premiums for your current plan. Any premium increase they send you is based off of your 2025 information. The rate increase/decrease they are sending may not be accurate. Premiums should be based off of your 2026 information.

How to prepare for your appointment

  • ​Fill out our 2026 quote form FIRST.
  • Married? As a reminder, you must file a joint tax return with your spouse.
  • Does your employer or your spouse's employer offer group health insurance? If so, what is the cost for the employee only coverage?​​
  • Have you filed your 2024 tax return? Your 2024 taxes MUST have been filed to qualify for a tax credit in 2026.

Do not go to healthcare.gov alone

​Health Insurance is so complicated and confusing. If done wrong, it WILL mess you up for the rest of the year.
​Please let our team of professionals help guide you to the best option
​for you and your family at NO ADDITIONAL COST to you.

Insurance options this year

Marketplace (ACA) Plans

  • Pre-existing conditions covered
  • Guaranteed issue (no underwriting required)
  • ​Tax credits available to those who qualify

Health Care Ministry Sharing

  • Substantial cost savings (40%-60%)
  • Alternative to traditional insurance - these are NOT insurance plans

Accident, Critical Illness & Gap Plans

  • Bridge the gap in the high deductible plans

Short Term Plans are BACK

  • Substantial cost savings (40%-60%)
  • Scaled down coverage without all of the ACA requirements (maternity, preventative, etc.)​
  • ​Great for those who are super healthy and not concerned with covering pre-existing conditions

Husband/Wife Group Plans

  • Pre-existing conditions covered
  • Guaranteed issue (no underwriting required)
  • More cost effective than Individual plans
  • Affordable PPO network options available
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GONZALES, LA
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