Frequently Asked Questions

  •  Anyone who is lawfully present in the U.S. and not eligible for employer-sponsored or government health programs (like Medicare) may qualify. This includes citizens, green card holders, and many visa types — including F-1 students.

  • Most people do. Subsidies (also known as Advance Premium Tax Credits) are based on your estimated household income and family size. In 2025, individuals earning up to 400% of the federal poverty level — and in many cases even beyond — may qualify.

  • Your subsidy is based on your estimated annual income and household size. Even if you have variable income, you can still apply using a good-faith estimate. We help you calculate this during enrollment.

  • You should update your income on Healthcare.gov or GetCoveredNJ.gov right away. This may adjust your subsidy amount. We assist all our clients with these updates at no charge.

  • Open Enrollment typically runs from November 1 to January 15 each year. You may qualify for a Special Enrollment Period (SEP) outside of these dates if you've had a life event such as:

    • Loss of employer coverage

    • Marriage or divorce

    • New baby or adoption

    • Move to a new ZIP code

  • Both are official ACA marketplaces. GetCoveredNJ.gov is New Jersey’s state-based exchange, while Healthcare.gov serves most other states. Both offer the same subsidies and protections.

  •  Typically:

    • Proof of income (recent pay stubs or tax return)

    • Social Security numbers (or immigration documents for non-citizens)

    • Mailing address

    • Birthdates of family members

    We help you gather and upload everything needed.

  •  All ACA-compliant plans include:

    • Doctor visits & hospital care

    • Prescription drugs

    • Mental health care

    • Preventive care (like screenings and vaccines)

    • Maternity and newborn care

    • Emergency services

  • Yes. ACA plans cannot deny coverage or charge more based on pre-existing conditions.

  • Yes — lawfully present immigrants, including those with work visas, green cards, and F-1 student visas, are eligible to apply for ACA coverage and may qualify for subsidies.
    Note: Many online sources incorrectly state F-1 visa holders are not eligible. CMS, HHS, and Healthcare.gov confirm that lawfully present F-1 students are eligible.

  • Yes. F-1 visa holders are considered "lawfully present" under the ACA and are eligible to apply on Healthcare.gov or GetCoveredNJ.gov. Most students qualify for generous subsidies based on their limited income.

  • Not always. ACA plans often offer more comprehensive coverage at lower prices than private student health plans — especially when subsidies are applied.

  • Yes — as long as they remain lawfully present, they can keep their ACA plan until their visa expires or they transition to a different status.

    • Your I-20 and F-1 visa

    • Proof of U.S. residency (a lease or school letter)

    • Estimate of income (even if $0, you may still qualify!)
      We walk you through the entire process.

  • People aged 65+ or under 65 with certain disabilities qualify. You must also be a U.S. citizen or lawful permanent resident with at least 5 years of residency.

    • Part A: Hospital coverage

    • Part B: Doctor and outpatient coverage

    • Part C (Medicare Advantage): Combines A & B and often includes drug coverage

    • Part D: Prescription drug coverage

    • Medigap: Supplemental coverage to fill in cost gaps

  • The Initial Enrollment Period is 3 months before, the month of, and 3 months after your 65th birthday. We can also help with Special Enrollment Periods if you’re coming off employer coverage.

  • Medicare Advantage (Part C) combines all your coverage into one plan, while Medigap supplements your original Medicare. We help compare both and find what fits your lifestyle and budget.

  • Absolutely. Our team offers ongoing support for changes, renewals, and troubleshooting. You’ll never have to call a 1-800 number.

  • No. Health Benefits 360 LLC is a licensed agency, and we are compensated by the insurance companies — not by you. Our services are always free to clients.