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The Affordable Care Act (ACA) is a federal law that created the Health Insurance Marketplace, where you can buy subsidized health plans based on your income.
Open Enrollment runs Nov 1 – Jan 15. You may qualify for a Special Enrollment Period (SEP) if you had a qualifying life event like job loss, marriage, or a move.
Most people who apply through the Marketplace qualify for a premium tax credit that significantly reduces their monthly premium — sometimes to $0.
