“Your Health. Your Coverage. Get Started with a Medicare Healthcare Plan Today — Keep Your Doctors, Save on Costs.”
Many residents are discovering that their current plans no longer fully cover the specialists, prescriptions, or treatments they depend on. That’s why we focus on protecting your health and your wallet by finding plans in your ZIP code that offer the most comprehensive coverage available.
If you’re on Medicare and want to explore Advantage or Supplement options, or Part D Prescription Drugs Plan, with lower premiums, we can help you secure coverage that keeps you connected to quality care. Many plans now include zero monthly premiums, dental, vision, and over-the-counter benefits—so you can stay healthy without financial stress.
Your health is too important to leave to chance. Let’s make sure you have the coverage you need today, so you can enjoy peace of mind tomorrow.
Medicare Advantage Plans
At AIBG, we proudly partner with health plans that meet the highest standards of excellence. For example, Optimum HealthCare Inc. has earned a coveted 5-Star overall rating from the Centers for Medicare & Medicaid Services (CMS)—the highest possible score (2025).
CMS’s rigorous Star Rating system evaluates health plans on nationally recognized quality, service, and performance measures, publishing results annually. A 5-Star rating reflects exceptional care, outstanding service, and proven results—qualities we look for in every organization we represent.
OTC Benefits
“Get $25–$135 in monthly OTC benefits with many Medicare Advantage plans—order online or by phone, and we’ll deliver to your door free!”
$0 Cost Fitness Membership
“Enjoy a free SilverSneakers® fitness membership with many Medicare Advantage plans—access gyms nationwide or get a home fitness kit delivered!”
PART B Premium Refund
“Some 2025 Medicare Advantage plans give you $50–$174.70 back each month on your Part B premium—paid directly into your Social Security check!”
Preventive Services
“Healthy habits made easy! Enjoy no-cost preventive services like wellness visits, vaccines, and screenings—all included.”
Some Coverage Offerings
Choosing a Medicare Advantage plan doesn’t have to be hard! We work with top healthcare sponsors (see below) to help you find the right fit for your doctors, medications, and lifestyle.
Humana Medicare Advantage plan
Freedom Optimum Medicare Advantage plan
Simply Medicare Advantage plan
United Medicare Advantage Plan
Understanding the Affordable Care Act
Get your 1095-A form
Your 1095-A should come by mail by mid-February. It may be in your Marketplace account anytime from mid-January to February 1. Log into your account, select your 2025 application, and then select “Tax Forms” to get your form.
📅 Marketplace Open Enrollment 2025
-
Nov 1, 2025 – Open Enrollment starts (enroll, renew, or change plans).
-
Dec 15, 2025 – Last day for coverage starting Jan 1, 2026.
-
Jan 1, 2026 – Coverage starts if enrolled/changed by Dec 15 & first premium is paid.
-
Jan 15, 2026 – Open Enrollment ends (last day to enroll/change for the year).
-
Feb 1, 2026 – Coverage starts if enrolled/changed Dec 16–Jan 15 & first premium is paid.
-
Jan 16, 2026 – Oct 31, 2026 – Coverage available only with a Special Enrollment Period (life event required).
Form 8962
If your tax return was rejected for not having Form 8962 and you didn't have Marketplace coverage in 2025.
Contact the Marketplace Call Center. They will help you get a voided Form 1095-A to include with your tax return.
Important Tax Reminder for Marketplace Coverage
If you had Health Insurance Marketplace coverage in 2025, you must file taxes and reconcile any premium tax credit you received. Use Form 1095-A to complete IRS Form 8962 when filing your 2025 taxes. This ensures your premium tax credit is accurately reconciled if you qualified for or used it.
Why Choose Us?
"2026 Marketplace Changes Are Coming — Make Sure You’re Covered."
Affordable Health Insurance Should be Accessible to Everybody
The Affordable Care Act (ACA) offers affordable, federally regulated health plans through the Marketplace. In 2026, updates to plan options, subsidies, and eligibility could impact your costs and coverage—making it more important than ever to review your plan.
You can enroll during Open Enrollment or after a qualifying life event, such as a job change, marriage, divorce, or relocation. Eligibility and costs depend on your income, household size, age, and location.
We help you navigate these changes, determine your eligibility, and find the plan that best fits your needs—based on your household size, income, and ZIP code—so you can protect both your health and your budget.
Healthcare Costs Too Much. We’re Here to Fix That.
Skip the confusion—get connected with licensed agents who can find ACA or Medicare coverage that fits your needs and your budget.
Plans are changing for 2026. Don’t miss your chance to lock in the right coverage.
✅ Affordable Options
✅ Local Agents
✅ Fast, Free Help
“Don’t Overpay for Health Insurance”
“Connect with an Agent Today and Compare Plans in Minutes!”
Court Ruling Affects DACA Enrollment in Select States
Court Ruling Impacts DACA Enrollment in 19 States
A North Dakota court’s December 9, 2024 ruling partially blocks DACA recipients and certain noncitizens from enrolling in Marketplace plans for 2024–2025.
Enrollment is on hold in 19 states, including Florida, Texas, Alabama, and Ohio. Residents should not attest to eligible immigration status when applying.
A technical change on December 26 canceled 2025 enrollments in 16 HealthCare.gov states, with insurance companies refunding any premiums. Affected individuals will receive a letter in January 2025 confirming ineligibility.
Testimonial
“Medicare gave me confidence knowing my healthcare needs are covered. I no longer worry about unexpected medical bills—it’s a relief!” – Ainsley R.
“Switching to Medicare made healthcare affordable. I can see my doctors, get prescriptions, and stay healthy without breaking the bank.” – Joseph B.
“I have so many good things to say about Access Insurance and Benefits Group (AIBG)! They have been closely assisting my family and I for the past 5+ years in numerous areas. Health, life, vision and dental insurance. As well as taxes related procedures. They are so attentive and helpful. We stay in touch year around and whenever I have a question they always makes sure to pick up the phone! At this point I consider them friends!”
-Maruschka D.