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Understanding the Health Insurance Marketplace

Whether you need health coverage or have it already, the Affordable Care Act (ACA) offers new rights and protections that make coverage more fair and easier to understand.

The Federally Facilitated Marketplace (FFM) is a way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll. The Marketplace is sometimes known as the Health Insurance Exchange.

Should I Purchase coverage through the Marketplace?

That is a good question and we can help you make that decision.

Click Here to view the FPL (Federal Poverty Level) Table. This table will help determine what assistance you may qualify for based on household income and size.

  • If household income is above 400% FPL (Federal Poverty Level) you most likely will not qualify for financial assistance. Just contact BIA and we will assist you with your insurance planning.
  • If household income is between 138% and 400% FPL, you might qualify for financial assistance. If you are interested in applying for this assistance, follow the instructions in the Marketplace Enrollment Guide. We can assist you with choosing an insurance plan that meets your needs. If you are not interested in applying for this assistance, you can contact our office directly.
  • If household income is below 138% FPL (Federal Poverty Level) you might qualify for Medicaid or OHP. Because this is a state-based program, BIA is unable to service this policy. We will connect you with someone that can assist you with enrollment in this program

How do I Enroll in the Federally Facilitated Marketplace?

Off-Marketplace or Direct Enrollment

Additional Information and Resources

Oregon Health Care Reform Information

2023 Federal Poverty Level Table

Marketplace Individual Health Insurance Subsidies

Small Business Health Options Program (SHOP)

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