Free Health Insurance Assistance Available To Monroe Residents For The Open Enrollment Period

Open Enrollment

Open enrollment is that time of year when you can enroll in a health insurance plan or make changes to an existing plan.

For plan year 2026, Open Enrollment is November 1, 2025 to January 15, 2026. 

ACA Subsidies

Originally, under the ACA in 2010, subsidies were set on a sliding scale based on income, HH size and demographics and were capped at a particular percentage of income and adjusted every year based on inflation.

In 2021, the American Rescue Act enhanced the subsidies increasing the amount of subsidy allowing for greater savings lowering the share of cost to a wider population. 

The enhanced subsidies were extended in 2022 with the Inflation Reduction Act and are set to expire on December 31, 2025.

Importance of Health Insurance

Health Insurance provides financial assistance for medical expenses, reducing the uncertainties of the high cost of care

• An illness or accident could result in multiple doctor bills including imaging, blood work, or even hospitalization.
• One visit to the emergency room can cost thousands of dollars.
• Free preventative care protection

Cancer screenings, health screenings for conditions like HIV, diabetes and high blood pressure, vaccinations, counseling for lifestyle changes like quitting smoking, and baby/child visits.

Getting Treatment

The choice of where and how you get treatment for what should be up to you, not the law.

Under federal law, a hospital is obligated to screen and stabilize you only if you present with a severe or life-threatening condition, an impairment or for childbirth. Once you are stabilized, you are released, but still responsible for the cost.

Any follow-up treatment needed for recovery is not covered by law and requires payment to providers.

Free Assistance is Available

Call 305-767-3883 for an appointment.