Questions people ask first.

No. ZAVIA does not charge customers an additional fee for Marketplace enrollment assistance.

Yes. Obamacare, ACA plans and Marketplace plans are the same thing: the individual and family coverage sold through HealthCare.gov under the Affordable Care Act. Those are the plans we help with, for people under age 65.

You may qualify for premium tax credits depending on your household income and eligibility. Not everyone qualifies, and the amount varies by household. We help you check what applies to you.

It depends on the plan, not the carrier. We help you check your doctors against each plan's network before you decide. Networks can change, so it is also worth confirming with the doctor's office.

Open enrollment for 2027 coverage runs November 1, 2026–January 15, 2027. Enroll by December 15 for coverage beginning January 1. Enroll from December 16 through January 15 for coverage beginning February 1. Outside open enrollment, certain life events may qualify you for a Special Enrollment Period.

Report it to the Marketplace as soon as you know. If you receive premium tax credits, they are based on an estimate of your annual income, and updating it during the year is usually easier than settling a big difference at tax time.

Not necessarily. Certain life events, such as losing other coverage, moving, getting married or having a child, may qualify you for a Special Enrollment Period. The window is short and usually needs documents, so it is worth checking quickly.

Most households finish in one sitting once the information is gathered. The delay is nearly always hunting for an income figure or a policy number halfway through the application.

No. ZAVIA Health Insurance LLC is the DBA and marketing name used by Muawia Abdalla – Licensed North Carolina Insurance Producer – NPN 21286424. Plans are issued and underwritten by insurance companies. ZAVIA is not an insurance company.

Neither. A Marketplace plan costs the same whether you enroll on HealthCare.gov yourself or with an agent: HealthCare.gov says you won't pay anything additional for enrolling with an agent or broker. Any premium tax credit you qualify for applies either way, as long as the agent enrolls you through the Marketplace. ZAVIA does not charge customers an additional fee for Marketplace enrollment assistance.

One worth knowing. An agent can only enroll you in plans from the insurance companies they are appointed with, and some work with a single company, so ask which companies they can offer before you start. Agents are also generally paid by those companies. You can always look through the plans yourself on HealthCare.gov and compare them with what an agent shows you.