Can I get health insurance without documents?▼
There are options depending on your situation, such as private or indemnity plans from some carriers (not ACA major medical coverage) and programs for certain cases, for example for children who qualify. Contact us and a bilingual agent will explain the alternatives we have for you at no obligation.
How much does health insurance cost?▼
The cost depends on your age, income, family size, and the plan you choose. Many families with incomes between 100% and 400% of the federal poverty level qualify for tax credits that lower the premium. Call 1-877-579-0587 to calculate your real price for free.
What is a subsidy and how do I know if I qualify?▼
A subsidy is a government tax credit that reduces your monthly Marketplace premium. Qualifying depends on your income, family size, and immigration status; since 2026 it generally applies to incomes between 100% and 400% of the federal poverty level, because the enhanced subsidies expired in 2025. We calculate your subsidy at no cost and help you enroll in Spanish or English.
What's the difference between an HMO and a PPO?▼
An HMO has lower premiums but limits you to a network of doctors and requires a referral for specialists. A PPO costs more but gives you freedom to choose doctors and see specialists without a referral. We help you decide which is right for you.
What do deductible, copay, and coinsurance mean?▼
The deductible is what you pay before insurance covers costs. The copay is a fixed amount per visit or medication. Coinsurance is the percentage you share with the insurer after the deductible. The out-of-pocket maximum is the annual cap you will pay.
When can I enroll in a plan?▼
During the annual open enrollment, or any time if you had a qualifying life event such as losing your job, getting married, having a baby, or moving. Contact us and we will check if you qualify for a special enrollment period.
Does the plan cover my whole family?▼
Yes, there are family plans that cover you, your spouse, and your children. We help you find the best option based on your family's medical needs and budget.
Can I keep my current doctor?▼
It depends on the plan's network. Before you enroll, we check whether your preferred doctor and hospital are in-network and which medications the plan covers. That way you avoid surprises and choose a plan that fits your trusted doctors.
What's the difference between the Marketplace and a private plan?▼
The Marketplace (Obamacare) offers plans with possible income-based subsidies and essential health benefits. A private or short-term plan can be cheaper, but it is not ACA-compliant: it may cover less and exclude pre-existing conditions. We compare both for free so you can choose fully informed.
What happens if I don't have health insurance and get sick?▼
You would pay all medical costs out of pocket, which can reach tens of thousands of dollars for an emergency or hospitalization. You also lose access to preventive visits and negotiated discounts. That is why it pays to have at least a basic plan.
Do you help with enrollment and paperwork?▼
Yes. A bilingual agent guides you through the entire process: calculates your subsidy, compares plans, gathers the documents, and completes the enrollment with you, in person or by phone. You pay nothing extra for our guidance.
In which states does TOP Insurance offer health insurance?▼
TOP Insurance is licensed for health insurance in Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Maryland, North Carolina, South Carolina, Texas, Utah, and Virginia. Available plans and carriers depend on your state and ZIP code. We have offices in Duluth, Lawrenceville, and Gainesville (Georgia) and serve clients by phone and online, in Spanish and English.
When is open enrollment 2027?▼
In states that use HealthCare.gov it runs from November 1, 2026 to January 15, 2027; pick your plan by December 15 to be covered from January 1. States with their own marketplace have their own dates: Illinois matches HealthCare.gov; in Maryland you pick a plan by December 31 for coverage from January 1 and enrollment ends January 15; Virginia closes January 29, 2027; Georgia (Georgia Access) and Colorado have not yet published all their 2027 dates. You can quote online on our portal.
