Understanding the 2025 - O'neal Insurance Group

Understanding the Affordable Care Act (ACA)

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What Is the ACA?

The Affordable Care Act (ACA) ensures that everyone has access to minimum essential health coverage. Under the ACA:

✔ You cannot be denied coverage due to pre-existing conditions.
✔ You won’t be charged more based on health history.
✔ Some individuals may qualify for tax credits to lower insurance costs.

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Open Enrollment Period

The open enrollment period is the designated timeframe for purchasing individual health insurance:

📅 November 1 – December 15 is when you can shop for and enroll in a health plan.
🔹 Missing this window? You may still qualify for a Special Enrollment Period if you experience a Qualifying Life Event (e.g., marriage, job loss, or birth of a child).

ACA Benefits & Protections

Under the ACA, you are guaranteed health coverage regardless of pre-existing conditions. Insurers cannot charge higher premiums based on medical history.

Additionally, some individuals and families may be eligible for tax credits to help lower insurance costs. Check HealthCare.gov to determine if you qualify before selecting a plan.

Schedule private and convenient phone, online, or Zoom meetings with a local agent broker near you for assistance with joining or enrolling in Medicare. O'Neal Insurance Group Agency Broker provides free guidance and education for those who are new to Medicare, turning 65, or looking to understand 2025 plans.

We work with Aetna, Humana, Devoted, BlueCross BlueShield of Illinois, AARP, UnitedHealthcare, Cigna, Clover Health, Essence HealthCare, KCA, Kelsey Care Medicare Advantage, Scan Health, and Select Health. Our services are available in Alabama, Arizona, Chicago Illinois, Indiana, New Orleans Louisiana, Jackson, Hattiesburg, Gulfport Mississippi, Missouri, Las Vegas, Summerlin, Henderson Nevada, Houston Texas, and Utah.

Additionally, we assist individuals in Mississippi counties, including Benton, DeSoto, Hancock, Harrison, Hinds, Madison, Marshall, Panola, Rankin, Tate, Tippah, and Tunica, as well as in Shelby County Tennessee and Crittenden County Arkansas. In Louisiana, we cover St. Tammany, Covington, and Lafayette. We also serve Mississippi cities and towns such as Raymond, Utica, Clinton, Byram, Terry, Edwards, Bolton, Learned, Gulfport, Pass Christian, Long Beach, Biloxi, D'Iberville, Saucier, Lyman, Brandon, Florence, Pearl, Pelahatchie, Flowood, Richland, Puckett, Robinhood, Cleary, Jackson City, Ocean Springs, Moss Point, Pascagoula, and Vancleave.

We partner with Aetna, Cigna, Humana, UnitedHealthcare, WellCare, and Devoted Health in Mississippi County.

O'Neal Insurance Group

Las Vegas NV Chicago IL Medicare Health Plan Specialist Insurance Broker Agency

O’Neal Insurance Group is your local Las Vegas, Nevada, Individual and Family ACA, Obamacare, Dental, Vision, Hospital Indemnity, Critical Illness, ESRD, Cancer insurance, and Medicare health plan specialist broker agency with over 38 years of healthcare experience, licensed and certified, serving over 30 States, including Chicago, Illinois. We provide personal guidance in helping you compare, enroll, and educate you on all your individual and family healthcare options, including Medigap, Med Supplements, Medicare Advantage, and Part D Plan options. You can quote, compare, and enroll online 24 hours a day, 7 days a week, without the help of a pushy salesman at any time from the convenience of your home or office. You can also schedule a phone appointment, one-on-one and online, or a Mobile screen-sharing appointment at a convenient time.

3960 Howard Hughes Parkway
Suite 500 PMB 1939
Las VegasNevada 89169

(702) 763-8924

5113 S. Harper Ave
ChicagoIllinois 60615

(312) 348-7209

2953 Bienville Blvd # 303
Ocean SpringsMississippi 39564

(228) 641-2323

6068 US-98 #1 Suite 228
HattiesburgMississippi 39402

(601) 773-3933

We do not offer all plans available in your area. The information provided is limited to the plans we do offer. For a complete list of options, visit Medicare.gov or call 1-800-MEDICARE. This is a solicitation for insurance.

Understanding the Affordable Care Act (ACA)

What Is the ACA?

Open Enrollment Period

ACA Benefits & Protections

O'Neal Insurance Group

About Us

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