The Affordable Care Act (ACA)

Open Enrollment Periods:


  • Open Enrollment 10/15/2017 – 12/07/2017


  • Renewals Open Enrollment 10/15/2017 – 01/15/2018
  • New Applicants Open Enrollment 11/01/2017 – 01/15/2018 AKA MarketPlace of other states

  • Open Enrollment 11/01/2017 – 12/15/2017

PHD Insurance Brokers’ health insurance service is available at NO COST to assist you with enrollment!

Now that everyone must have medical insurance or pay a fine, it is necessary for each person reading this article to comply with the law. How to do this and get the best medical insurance for your hard earned dollars is another matter. Even though it has been reported that the federal government has spent over $5 billion on their site, it’s still  remains very confusing for most people to understand. Why, because most people don’t want to become health insurance experts. All they want is for everyone in their family to have medical insurance that will pay for the cost of the family’s medical bills with the least amount of money spent including the upfront deductible. Under the ACA plan, the minimum deductible on the lowest cost plan is $6,000. Most can’t afford this much before some type of reimbursement begins. When you couple that to the premium you have to pay each month, the medical insurance will take a good portion of your taxed income.

So what do you do about it? Our answer is to call us. Our health insurance account executive has been to many seminars and classes on what is covered under the ACA and what the alternatives are. His full attention is on helping people with their health insurance. You no longer have to worry about trying to understand the ACA. Call us and let us explain it to you.

If your interest is in knowing more about Medicare, our health insurance account executive has also taken many courses to better understand this insurance program and we can write Medicare policies in all states. Provided you qualify for Medicare, you should purchase your policy through us and benefit from the personal service we offer and helpline available to you. Our expertise is something you get for free with the policy. Online purchasers don’t have access to a live representative throughout the purchasing process to help answer questions. Save yourself the frustration and call us at 1-714-534-6310. We’ll be glad to meet with you and answer any questions you have.