Obamacare & insurance
We explain what Obamacare is, whether you may get help paying for it and which papers to have ready. Then we walk you through enrollment.
Obamacare
Did you know?
It's called CuidadoDeSalud.gov, the Spanish version of HealthCare.gov, the government website where plans are requested. Obamacare comes from a 2010 law called the Affordable Care Act.
Let's use it togetherSome states run their own website: check your state's marketplaceReal screenshot of cuidadodesalud.gov/es, October 8, 2026Starting January 1, 2027, among immigrants, help paying is limited to these statuses:
Other lawfully present people can buy a plan, but without help. We check your case with the 2027 rules.
Source: HealthCare.gov, October 8, 2026What you payOfficial table
6.78%of your household's yearly income, at most, for the benchmark plan
Your household earns 200% of the federal poverty level
The less you earn, the less you pay and the more the help covers.
Federal poverty level: a figure the government updates every year based on how many people live in your home. Benchmark plan: the second-lowest-cost Silver plan in your area. The 2027 table goes up to 400%.
Source: IRS, Rev. Proc. 2026-26 (2027 table)Send us this message and we'll ask you three things. Then we'll tell you the next steps.
Your message
Hi, I'm coming from the B&O Trust Services website. I'd like to know if I qualify for help with Obamacare.
We'll ask you
2027 Open Enrollment
In states that use HealthCare.gov, Open Enrollment for 2027 runs from November 1, 2026 to January 15, 2027. Some states run their own website and may have different dates.
76days to enroll
Both days count.
See your state's datesSource: HealthCare.gov, checked on October 8, 2026.
Before you enroll
Check what you already have. We'll prepare the WhatsApp message with what you have and what's missing, and tell you where to get it.
Form 1095-A and your taxes
If you had Obamacare, you need Form 1095-A for your tax return: it's used to check the help you received.
Besides Obamacare, we explain other insurance options. No pressure: first you understand, then you decide.
So your family has support if something happens to you. We explain the types and what to ask.
We explain the options and how they fit with your health insurance.
Message us with your case and we'll walk you through the options.
Only if something happens that opens a special period: for example, losing job-based insurance, moving, getting married or having a baby. Tell us your case and we'll check it.
It's best to review it every year during Open Enrollment: plans change and the help is based on that year's income.
The help is checked in your taxes with the 1095-A. If you earned more than estimated, you may have to pay part of it back. That's why it's better to report changes early.
Most do, but some states run their own website with their own dates. Check your state's page or ask us.
Message us on WhatsApp with your case. We'll walk you through it in Spanish.
Message on WhatsAppor call (305) 639-0110
