ACA health plans (commonly referred to as “Obamacare”) are government-regulated plans that provide:

• Guaranteed coverage — You can’t be denied for pre-existing conditions.

• Essential benefits — Every plan includes hospital care, prescriptions, mental health, maternity, and preventive services.

• Subsidies — Based on your income and household size, you may qualify for premium tax credits or cost-sharing reductions.

We help you check your eligibility and apply correctly — so you don’t miss out on savings.

You may benefit from an ACA plan if:

• You don’t receive health insurance through your employer

• You’ve recently lost job-based coverage

• You’re self-employed or an independent contractor

• You’re early-retired and not yet eligible for Medicare

• You need health insurance for your family or children

Our team will review your situation and walk you through your options — with no pressure and no guesswork.

There are two main enrollment windows:

Open Enrollment Period (OEP)

November 1 – January 15 (subject to annual changes). This is the main time to apply or switch plans.

Special Enrollment Period (SEP)

You may qualify for special enrollment if you've experienced a major life event such as:

• Loss of employer coverage

• Marriage or divorce

• Birth or adoption of a child

• Moving to a new state or zip code

• Change in income

Not sure if you qualify? We’ll help you find out.

When you work with Harvey Insurance Solutions, you're not dealing with a call center or chatbot. You're working with real, licensed agents who take the time to:

• Calculate your subsidy

• Compare multiple plan options

• Check your doctors and prescriptions

• Help you avoid penalties and application errors

• Provide ongoing support after enrollment

You’ll get honest guidance with zero cost to you. We’re paid by the insurance carriers — never by our clients.

Unlike agents who represent only one company, Chris Harvey and the Harvey Insurance Solutions team are independent. That means:

• No biased recommendations

• Access to multiple carriers

• A true advocate on your side

Our goal is not to sell you a plan — it's to help you make an informed decision that protects your health, your budget, and your future.