Persad Insurance Services - Under 65 Health

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Welcome to Your Comprehensive Guide on ACA Health Insurance

Individual & Family Health Insurance (Under 65)

Get ACA Marketplace coverage for 2026
Open Enrollment dates and start dates:
• November 1, 2025: Open Enrollment begins (shop, enroll, or change plans)
• December 15, 2025: Last day to enroll for coverage to start January 1, 2026
• December 16, 2025 - Jannuary 15, 2026: coverage will being February 1, 2026 (for most states)
* These are standard Marketplace timelines; check your state’s marketplace for any differences.

What is the ACA?
The Affordable Care Act (ACA) makes comprehensive health insurance available to individuals and families who don’t have affordable employer coverage, Medicare, or full-scope Medicaid. ACA plans cover essential health benefits, including doctor visits, emergency care, hospitalization, maternity and newborn care, mental health services, prescription drugs, pediatric care, preventive services, and more. Pre-existing conditions are covered.

Who qualifies?
You can shop the Marketplace if you:
• Live in the U.S. and are lawfully present
• Aren’t eligible for Medicare
• Don’t have an offer of affordable employer coverage

Financial help may reduce your monthly premium and out-of-pocket costs, depending on your household size and income. Note: the enhanced premium tax credits that lowered costs in recent years are scheduled to expire at the end of 2025 unless extended by Congress, which could raise 2026 premiums for many households.

Why Choose ACA Health Insurance?

Affordability: The ACA offers subsidies and tax credits to help lower-income individuals and families afford health insurance. This means you can get the coverage you need without breaking the bank.

Comprehensive Coverage: All ACA-compliant plans cover a wide range of essential health benefits, including:

Emergency services
Hospitalization
Maternity and newborn care
Mental health and substance use disorder services
Prescription drugs
Preventive and wellness services
Pediatric services

Protection for Pre-existing Conditions: Under the ACA, insurance companies cannot deny coverage or charge higher premiums based on pre-existing conditions. This ensures that everyone has access to the care they need.

Preventive Care: Many preventive services, such as vaccinations, screenings, and annual check-ups, are covered at no additional cost to you. This helps you stay healthy and catch potential issues early.

How we help
Choosing the right plan means balancing:
• Premium, deductible, copays/coinsurance, and out-of-pocket maximum
• Doctor/hospital network and prescription formulary
• Your expected medical needs for 2026

Enrollment is EASY, but can be complex with all the information you may be juggling. This is where our FREE enrollment assistance can play a significant role to help ease your mind. We’ll compare plans, estimate your savings, check doctors and prescriptions, and complete your application—all at no cost to you.

This is NOT a sales process and it never should be. Our role is to consult and help you navigate to the best coverage available - no sales gimmicks or high pressure tactics. We are compensated by the insurance carrier regardless of which plan we enroll you in.

Click Here to Quote and Enroll

What to do now:

First

Gather your information:

household size
estimate your income for 2026
current coverage details
preferred doctors/networks
any prescription information (name, dosage, and frequency)

Shop plans and check savings or tax credits (or ask us to do it for you)
Enroll by December 15 for January 1 coverage

or by January 15 for February 1
remember, some variations exist between states

Then

Start your application. You have 2 options.
Option 1:

Complete your application and self-enroll all online. Click this link to access Health Sherpa (a CMS federally approved enrollment website): Health Sherpa Enrollment Website
A licensed agent will still review your application for accuracy and completeness, and will email, text, or call you if there are any problems, issues, or concerns.

Option 2:

Contact us directly to setup a phone appointment to complete the application over the phone with a live, certified and licensed health agent.
- Email: service@yourlegacy.us
- Text 626.808.4083 or 626.808.4086

Any Questions? Email service@yourlegacy.us or text 626.808.4083 or 626.808.4086
Prefer a callback? Send us a message with your best time and we’ll reach out.

Missed Open Enrollment? Special Enrollment Periods (SEPs)
You may still qualify for a Special Enrollment Period if you have a Qualifying Life Event, such as:
• Loss of other health coverage
• Marriage or divorce
• Birth or adoption of a child
• Moving to a new coverage area
• Other exceptional circumstances
If you qualify, you can enroll outside the regular Open Enrollment window.

Medicaid and CHIP (for low to no income)

Depending on your income and household size, you might qualify for Medicaid or the Children’s Health Insurance Program (CHIP). These programs provide free or low-cost coverage and you can apply at any time of the year.

Helpful resources
• Healthcare.gov – Dates and deadlines (federal Marketplace)
• Healthcare.gov – Apply and enroll
• Covered California – Enrollment dates and application tips
• KFF – Premium tax credits overview

Stay Informed and Stay Covered

Health insurance is a crucial part of maintaining your health and well-being. By understanding your options and taking advantage of the resources available, you can find a plan that fits your needs and budget. Remember, we are here to help you get the coverage you deserve, made possible by the ACA.

Offering ALL the major National Carriers

Local and Regional carriers are also available

Fine print
Coverage effective dates depend on when you enroll and when your first premium is paid. Automatic re-enrollment may occur if you take no action, but it’s best to update your application and compare plans each year. If you have any questions during enrollment, or at any time throughout the coverage year, please do not hesitate to contact us for assistance. We are your dedicated health insurance agents and we're here to help whenever you need it.