The 2018 ACA Health Insurance Marketplace Is Open Now  

Written By:
Jessie Paluch
Jessie Paluch

Attorney Jessie Paluch, founder of TruLaw, has over 25 years of experience as a personal injury and mass tort attorney, and previously worked as an international tax attorney at Deloitte. Jessie collaborates with attorneys nationwide — enabling her to share reliable, up-to-date legal information with our readers.

This article has been written and reviewed for legal accuracy and clarity by the team of writers and legal experts at TruLaw and is as accurate as possible. This content should not be taken as legal advice from an attorney. If you would like to learn more about our owner and experienced injury lawyer, Jessie Paluch, you can do so here.

TruLaw does everything possible to make sure the information in this article is up to date and accurate. If you need specific legal advice about your case, contact us by using the chat on the bottom of this page. This article should not be taken as advice from an attorney.

The 2018 ACA Health Insurance Marketplace Is Open Now

On November 1, 2017, open enrollment for the Affordable Care Act began.

It is very important that individuals/families who are not covered by healthcare plans by their employers, consider purchasing a plan through

Furthermore, action should be taken quickly, open enrollment for this year’s ACA will run for only six weeks – until December 15, 2017.

aca open enrollment deadline dec 15

Although healthcare has been the subject of a lot of political debates in recent months, the ACA is still the law of the land, which means all Americans can take advantage of the marketplace and will be subject to penalties for failure to find health insurance.

As in prior years, enrollment can be done simply through, but can direct you to local licensed insurance agents who have registered with the Marketplace if further assistance is desired.

They have also put together a Marketplace Application Checklist, so you know what to have ready when you plan to enroll.

In addition, a toll-free number has been set up to assist individuals shopping on the Marketplace, but expect delays during the open enrollment timeframe.

The toll-free number to speak to a representative is 1-800-318-2596.

Similar to prior years, assists individuals to shop the insurance marketplace and offers cost-saving subsidies where they are available.

Individuals who are not covered by their employer will be subject to a $695 penalty, and families would be subject to a $2,085 penalty.

There is a common misconception that health coverage under the ACA is not affordable.

Many individuals and families report that they were able to find an affordable plan through the use of the marketplace, as well as taking advantage of cost-saving subsidies that are explained at

Half of the people who signed up through the federal exchange found a plan that cost them between $50 and $100 per month.

Plans on the marketplace are comprehensive – covering a wide range of health services including essential benefits, preventative services, and, despite recent debates, pre-existing conditions.

In fact, according to, 8 out of 10 people qualified for healthcare plans on the marketplace.

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Written By:
Jessie Paluch
Jessie Paluch

Experienced Attorney & Legal SaaS CEO

With over 25 years of legal experience, Jessie is an Illinois lawyer, a CPA, and a mother of three.  She spent the first decade of her career working as an international tax attorney at Deloitte.

In 2009, Jessie co-founded her own law firm with her husband – which has scaled to over 30 employees since its conception.

In 2016, Jessie founded TruLaw, which allows her to collaborate with attorneys and legal experts across the United States on a daily basis. This hypervaluable network of experts is what enables her to share reliable legal information with her readers!

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