🌟Access to Care. Support You Can Feel.
Helping Our Community Get the Care They Deserve.
🌿 Why the ACA Still Matters for Our Community
Even in a year with fewer subsidies, the Affordable Care Act remains one of the strongest tools families have to access essential healthcare. It protects people from being denied coverage, limits out‑of‑pocket surprises, and ensures that every plan includes the benefits that keep our community healthy.
This isn’t about discounts — it’s about dignity, protection, and access to care when it matters most.
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Healthcare Access Shouldn’t Be a Luxury — It Should Be Yours
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Unlock the Coverage You’re Entitled To Under the ACA
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Access First. Clarity Always.
🏥 What Is the Affordable Care Act (ACA)?
The ACA—also known as Obamacare—helps individuals and families access affordable health insurance, often with low monthly premiums and reduced out-of-pocket costs based on income.
Whether you're unemployed, self-employed, a gig worker, or simply looking for better options—we’re here to simplify the process.
Health Coverage Help Without the Confusion
Whether you need individual coverage, family coverage, help reviewing Marketplace options, or support understanding subsidies, PHG helps you take the next step with clarity.
Premium Help
You may be able to review whether financial help is available based on your situation.
Learn more →Plan Review
Compare premiums, deductibles, networks, prescriptions, and plan levels before choosing.
Learn more →Enrollment Timing
Get help understanding open enrollment and special enrollment situations.
Learn more →Need Help Choosing?
We can walk through your options and help you understand what questions to ask.
Book help choosing →Individual Health Coverage
Individual health coverage may help if you are self-employed, between jobs, working without employer coverage, retiring before Medicare, or simply need a plan for yourself.
Family Health Coverage
Family coverage can involve several moving parts, including household size, income, dependents, doctors, prescriptions, and budget. PHG helps make the review easier to understand.
Premium Help and Subsidy Review
Some households may qualify for financial assistance that can lower monthly premiums. Eligibility depends on income, household size, location, and current rules.
What to Review Before Choosing a Plan
A low monthly premium is not the only thing to review. You also want to compare deductibles, copays, prescriptions, provider networks, and how often you expect to use care.
Enrollment Timing
You may be able to enroll during open enrollment or during a special enrollment period if you experience a qualifying life event. PHG can help you understand the timing and next steps.
Need Help Reviewing Health Coverage?
Schedule a no-obligation consultation and get help understanding your ACA or health coverage options.
Book an ACA Consultation
Common Situations Where ACA Might Be Right for You
Situation ACA Marketplace May Be a Good Fit
You’re self-employed or a gig worker✔️ Yes — you can apply for coverage and may qualify for savings
You lost your job or health coverage✔️ Yes — you may qualify for a Special Enrollment Period
You’re between jobs or waiting for Medicare✔️ Yes — ACA can bridge the gap
You’re under 26 and not on a parent’s plan✔️ Yes — you can apply for your own coverage
You have a pre-existing condition✔️ Yes — ACA plans must cover you without charging more
You’re a caregiver or supporting family✔️ Yes — you can apply for household coverage
You’re experiencing homelessness✔️ Yes — you can still apply using a shelter or trusted address
“My mom’s new ACA plan saves us over $300 a month. Lisa treated us with real dignity.”
— Jaden P., College Student
What ACA Plans Guarantee for You
Every ACA plan includes:
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Access to doctors and specialists
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Preventive care at no extra cost
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Prescription coverage
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Mental health and substance use services
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Emergency and urgent care access
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Maternity and newborn care
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Pediatric services for children
These benefits are non‑negotiable — no matter your income, age, or health history.
"Coverage shouldn't be complicated. Let us make it simple."