Medicare, Marketplace Plans & Life Insurance in the United States
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What is Medicare and what does it cover?
Medicare is the federal health program for people 65 years or older or with certain qualifying disabilities. It includes Part A (hospitalization), Part B (outpatient medical services), Part C (Medicare Advantage plans offered by private carriers), and Part D (prescription drugs). Medicare Supplement (Medigap) plans can also help cover out-of-pocket costs. A licensed US Enrollment Center agent reviews available options at no cost to you.
What is Obamacare (ACA Marketplace) and who qualifies?
Obamacare refers to health insurance plans offered through the Affordable Care Act (ACA) Marketplace. Plans cover essential benefits like doctor visits, hospitalization, prescription drugs, preventive care and mental health. They cannot deny coverage for pre-existing conditions. Eligible U.S. residents may qualify for premium tax credits and cost-sharing reductions based on household income. Open Enrollment runs annually, and a qualifying life event can open a Special Enrollment Period. A licensed US Enrollment Center agent compares Marketplace plans at no cost to you.
What is Life Insurance and how do I choose a plan?
Life Insurance pays a tax-free benefit to the beneficiaries you name if you pass away while the policy is active, helping protect your family from financial hardship. Common options include Term Life (coverage for a fixed period of 10, 20, or 30 years, typically the most affordable) and Permanent Life (whole life or universal life, with lifetime coverage and a potential cash-value component). The right plan depends on your age, health, income, dependents, and goals. A licensed US Enrollment Center agent helps you compare carriers and policy types at no cost.
Can I be denied coverage because of pre-existing conditions?
It depends on the product. Original Medicare (Part A and Part B) and ACA Marketplace (Obamacare) plans cannot deny you coverage or charge more because of pre-existing conditions. Medicare Supplement (Medigap) generally cannot deny you for medical history during your Medigap Open Enrollment Period. Life Insurance, however, uses medical underwriting, so some health conditions may affect rates or eligibility. Many people still qualify and “guaranteed-issue” options exist. Our licensed agents help you identify the right enrollment periods and the products you qualify for.
Important disclosures & regulatory information
Not affiliated with the U.S. government, the federal Medicare program, or the ACA Marketplace. This website is operated by US Enrollment Center Corp, a private, licensed insurance advisory entity offering Medicare, Affordable Care Act (Obamacare / ACA Marketplace) health, and Life Insurance products. It is not a government website, is not the Medicare program, is not HealthCare.gov or any state-based ACA Marketplace, and is not endorsed by, affiliated with, or sponsored by the Centers for Medicare & Medicaid Services (CMS), the U.S. Department of Health & Human Services (HHS), the Social Security Administration, Medicare.gov, HealthCare.gov, the federal Medicare program, the federal ACA Marketplace, or any federal or state government agency.
We do not offer every plan available in your area. Across the products we present, we represent a number of Medicare Advantage and/or Prescription Drug Plan organizations, ACA Marketplace (Obamacare) carriers, and Life Insurance carriers within our licensed service area. Any information we provide is limited to those plans and carriers we do offer in your area. For complete information on Medicare options, please contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048), available 24 hours a day, 7 days a week. You can also reach out to your local State Health Insurance Assistance Program (SHIP). For ACA Marketplace options, visit HealthCare.gov or your state-based exchange. For Life Insurance, consult licensed agents and carriers directly.
Licensed insurance agency. US Enrollment Center Corp is a licensed insurance agency offering Medicare, ACA Marketplace health, and Life Insurance products. Licensed to sell insurance in: AL, AZ, CA, FL, GA, IL, IN, MI, MS, MO, NC, OH, SC, TN, TX, UT, VA, WI. Not all agents are licensed in every state and not all products are available in every state. Licensing is verifiable through each state’s Department of Insurance and is available on request. Plans, benefits, premiums, provider/pharmacy networks, and underwriting requirements are subject to change and vary by ZIP code, county, plan year, eligibility, and individual health status (where applicable).
Carrier logos and trademarks. Logos and trademarks of insurance carriers shown on this Site are the property of their respective owners and are used for identification purposes only. Display of a carrier logo does not imply endorsement, partnership, or that the carrier offers plans through US Enrollment Center Corp in every area. Availability of plans, benefits, and carriers varies by ZIP code, county, eligibility, and product line (Medicare, ACA Marketplace, or Life Insurance), and may not include all carriers listed.
Medicare and ACA trademarks. The Medicare name, the Medicare logo, and 1-800-MEDICARE are property of the U.S. Department of Health & Human Services. The HealthCare.gov name and ACA Marketplace materials are property of the U.S. federal government. Any reference on this Site to Medicare, Medicare.gov, 1-800-MEDICARE, HealthCare.gov, or the ACA / Affordable Care Act is provided for informational and referral purposes only and does not imply affiliation, endorsement, or sponsorship by the U.S. government or any government agency.
No guarantee of enrollment or coverage. Submitting this form does not guarantee approval, enrollment, final pricing, eligibility for any subsidy or tax credit, or plan availability. A licensed agent may review your case, explain options that fit your situation, and help you make an informed decision before continuing with any formal application. Enrollment in Medicare plans is limited to valid Medicare election periods (IEP, AEP, MA OEP, GEP, SEP) with a qualifying event where required. Enrollment in ACA Marketplace plans is limited to Open Enrollment or a qualifying Special Enrollment Period. Life Insurance issuance is subject to the carrier’s medical underwriting, application review, and eligibility rules.
Communications consent. By submitting your information, you provide prior express written consent to be contacted by US Enrollment Center Corp and its licensed insurance agent partners by telephone (including via automatic telephone dialing systems, artificial or prerecorded voice messages), SMS/text message, or email, regarding Medicare, ACA Marketplace (Obamacare) health plans, Life Insurance, and related insurance products. Your consent is not a condition of purchase. Message and data rates may apply. Frequency may vary. You may revoke consent at any time by replying STOP to text messages or asking to be removed during a call. See our Privacy Policy, Terms & Conditions, Cookie Policy, and Accessibility Statement.
