Health insurance
for you and yours.

Yes. Obamacare is a common name for the Affordable Care Act, or ACA. This page connects you to Cuidamos Concierge’s HealthSherpa shopping flow to compare individual and family Marketplace plans.

HealthCare.gov lists November 1 through January 15 as Open Enrollment. Enroll by December 15 and pay your first premium for coverage to start January 1. State Marketplace deadlines can differ. Outside Open Enrollment, certain life events may qualify you for a Special Enrollment Period. Medicaid and CHIP applications are available throughout the year.

You may qualify for premium tax credits or other savings based on your household, expected income, and eligibility. The Marketplace application determines your actual eligibility and plan prices. HealthSherpa can help you estimate savings as you compare plans. This landing page does not calculate or guarantee savings.

Marketplace plans cover preexisting health conditions. An insurer cannot reject you, charge you more, or refuse to pay for essential health benefits because of a condition you had before your coverage started. Check each plan’s doctors, covered medicines, and costs before choosing.

No. Entering your ZIP code opens HealthSherpa’s shopping flow linked to Thais Ayala at Cuidamos Concierge. You can add your household information, estimate savings, compare plans, and complete enrollment there if eligible. Entering a ZIP code alone does not enroll you. Coverage starts only after you complete enrollment and pay any required first premium.

This page asks only for a ZIP code. When you choose “See plans and prices,” it is sent to HealthSherpa with our agent identifier. We do not request your name, email, phone number, Social Security number, or medical history here. HealthSherpa collects any additional information you provide under its own privacy notice. Hosting providers process basic request data to deliver the website. If you accept optional Google Analytics, we also measure visits and selected actions without sending your ZIP code.

These categories describe how you and your plan share covered costs, not the quality of care. If you qualify for cost-sharing reductions, you must choose a Silver plan to receive them. Available categories vary by area.

Compare the monthly premium, deductible, copayments, coinsurance, and yearly out-of-pocket limit. A lower premium can mean higher costs when you need care. Consider how often you expect to use health services, rather than choosing by premium alone.

Contact Thais Ayala at +1 (305) 498-7241 by phone or WhatsApp. This website is available in Portuguese, Spanish, and English. Cuidamos Concierge is an independent agency; plan comparison and applications continue on HealthSherpa. Ask Thais which plans she can help with in your state.