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Frequently asked questions
What is the Affordable Care Act?

The Affordable Care Act (ACA) commonly known as Obamacare or Bidencare, offers subsidized health insurance plans to individuals or families who meet certain income requirements and other criteria. Those who qualify, can browse various health care plans available in the Health Insurance Marketplace, and get a reduced cost in the monthly premium.

Do I qualify to pay less for a health insurance plan?

To qualify for a subsidized ACA plan, you must meet the following requirements:


- Have a SSN. People with an ITIN may want to consider short-term plans

- Provide personal tax returns, or if you are married, joint forms

- Meet the minimum annual income requirements established by the U.S. government ($13,590 for individuals, $18,310 for couples)


Get free help! Finhabits can help you determine if you or your family qualify for a subsidized plan. To speak with our team at no cost, call 1-800-370-3181. Support is available on weekdays from 7 am to 5 pm PST.

How do I choose the right plan?

Finhabits can help you determine if you or your family qualify for a subsidized plan from the Health Insurance Marketplace. Additionally, our team can help you compare the plan costs and coverage options available to you.


Get free help! To speak with our team at no cost, call 1-800-370-3181. Support is available on weekdays from 7 am to 5 pm PST.

Can I buy dental and vision plans with Finhabits?

Yes, Finhabits offers dental and vision plans as standalone or alongside your health plan. Our team can help you compare plan options from popular carriers.


Get free help! To speak with our team at no cost, call 1-800-370-3181. Support is available on weekdays from 7 am to 5 pm PST.

What is a short-term health plan?

It's a type of health insurance that provides temporary coverage when you're between health plans, outside enrollment periods, or need coverage in case of an emergency.

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