Trusted & Accredited
Your Trusted Partner in Health Coverage
At Heart Insurance Group, we believe everyone deserves access to affordable, high-quality health coverage — without the confusion. Our mission is simple: to help individuals and families understand their options, enroll with confidence, and stay protected all year long.
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FAQs
We know health insurance can be confusing. That’s why we’ve put together real questions our clients ask every day.
🩺 What is ACA or Marketplace insurance?
ACA (Affordable Care Act) plans also called Marketplace insurance are government-approved health plans that help lower your monthly costs through tax credits based on your income and household size. These are the same plans offered by top carriers like Aetna, Ambetter, BCBS, and more.
💸 Do I have to file my taxes to qualify for ACA insurance?
Yes — filing taxes is part of how the government confirms your income and eligibility for savings. If you don’t file, your tax credit could be removed later, which may increase your monthly premium.
🏠 Can I be claimed as a dependent and still get coverage?
You would need to be added to their policy instead of applying on your own. We can see if your family qualifies together!
🏥 Can I keep my current doctor?
Absolutely. Most ACA plans have large provider networks with many doctors and hospitals. We’ll help you choose a plan that includes your preferred provider whenever possible.
🧾 What happens if my income changes?
If your income goes up or down during the year, your eligibility for savings may change too. Just let us know so we can keep your application up to date.
🗓️ When can I apply for health insurance?
The Open Enrollment period runs from November 1 to January 15, but if you’ve had a recent life change like moving, losing coverage, or getting married you may qualify for a Special Enrollment Period to apply anytime.
❤️ Still have questions?
Can’t find the answer you’re looking for? Please chat with our friendly team — we’ll guide you step-by-step with clarity and care.
