FAQs
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Frequently Asked Questions
Answers to common questions about health, dental, and vision coverage.
What is the Affordable Care Act (ACA)?
The ACA, also known as “Obamacare,” helps individuals and families access affordable health insurance through Marketplace plans that may include financial assistance or premium tax credits.
How do ACA plans work?
The government provides subsidies (financial help) to lower the monthly cost of insurance. If you qualify, your plan may be free or very low-cost.
How do I know if I qualify for financial help?
Your eligibility depends on your income, household size, and location. Our licensed agents will help you determine your eligibility for Marketplace savings. ( Get quote now)
Can I qualify even if I work or have a 1099 job?
Yes! Many workers, freelancers, Uber drivers, bartenders, and small business owners qualify — even if they make good money. It depends on household size and estimated yearly income.
Do I need to be a U.S. citizen?
Not always. Some immigration statuses qualify too (like green cards, TPS, asylum, or DACA). We’ll review it with you privately.
Can I get a plan if I already have something through work?
Yes, if your job insurance is too expensive or doesn’t meet ACA standards, you may still qualify. Let’s compare
Is VonCare Insurance Agency part of Healthcare.gov?
No. VonCare Insurance Agency is a licensed independent agency that helps clients enroll through Healthcare.gov or state-based Marketplaces. We are not connected with or endorsed by the U.S. government.
Do you offer dental and vision coverage?
Yes! We offer stand-alone and bundled dental and vision plans for individuals and families.
How do I enroll?
You can request a free quote, call us directly, or use our online form. Our agents will walk you through every step to ensure your application is accurate and complete.
Are ACA plans real insurance?
Yes — ACA plans cover:
• Doctor visits
• Specialists
• Urgent care
• Hospitalization
• Prescriptions
• Mental health
• And more
How do I apply?
You can apply with us in just 10–15 minutes — by phone, text, or online. We’ll guide you every step of the way.
How long does it take to get coverage?
Coverage usually starts the 1st of the following month. You’ll receive a digital confirmation right away and your card by mail soon after.
What if I need help using my plan?
We’ll help you set up doctor visits, check benefits, and stay supported all year long — at no cost to you.