No More Federal Penalties for Going Uninsured

The Tax Cuts and Jobs Act of 2017 - eliminated the federal tax penalty for not having an ACA plan.That means you can now explore affordable alternatives, including short-term or non-ACA coverage, without worrying about federal fines.

Note: Some states, including CA, DC, MA, NJ, RI, and VT still have local penalties.Always check your state’s rules or consult a licensed AHiX advisor.

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2026 Plan Grid

There are 6 different categories of health insurance coverage in the United States. Easily compare the ACA provisions of each with our 2026 Health Plan Grid.

  • ACA-QUALIFIED - Affordable Care Act / “Obamacare” plans have no lifetime or yearly limits for Essential Health Benefits and cover pre-existing conditions from day 1
  • NON-QUALIFIED - These plans do not follow the provisions of the ACA and do not cover maternity, mental health, substance abuse, or pre-existing conditions. They are an affordable alternative for people that want coverage for unexpected illness or injury but cannot afford an ACA Qualified plan
Essential Health Benefits
Enrollment ACA-Qualified (Obamacare) NON-ACA Employer Group
Government Marketplace
QA3 TEST SITE
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