What is this service?
Ge Chanfon Services helps you apply for and choose health insurance plans through the Marketplace, also known as Obamacare.
These plans can include coverage for doctor visits, hospital stays, emergencies, prescription drugs, preventive services, and other essential benefits.
The monthly cost and any financial help depend on the household's estimated income, its members, and the eligibility requirements.
Who is this service for?
- U.S. citizens who need health coverage.
- Lawful permanent residents.
- Immigrants with certain immigration statuses who meet the Marketplace requirements.
- Self-employed workers and business owners.
- Families without health insurance through an employer.
- People who need to review or renew their current coverage.
What kind of help do you need?
Choose the option closest to your situation.
Tap an option to see its explanation, requirements, and costs.
Individual health insurance
We review your eligibility and estimated income, compare the plans available in your ZIP code, and help you enroll.
Family health insurance
We review who is in the tax household and who is applying for coverage. You can apply for eligible family members even if you do not apply for yourself.
Insurance for self-employed workers
We help you estimate your net income for the coverage year, which the Marketplace uses to calculate financial help.
Coverage renewal
We check whether your plan is still available, whether your premium or financial help changed, and whether another plan would suit you better during open enrollment.
Plan change or update
Some life changes let you change plans outside open enrollment (special enrollment period). Reporting changes on time avoids surprises when you file your taxes.
How does your income affect the cost of insurance?
The Marketplace uses the household's estimated income to decide whether a person can get financial help. It mainly looks at annual household income calculated under the Modified Adjusted Gross Income (MAGI) rules.
The cost can vary based on:
- Estimated annual household income.
- The number of people in the tax household.
- The age of the people covered.
- ZIP code and location.
- The plan you choose.
- Eligibility for tax credits and other help.
Not everyone gets subsidies. Financial help depends on the rules for the coverage year. Starting in 2026, households with income above 400% of the federal poverty level no longer receive premium tax credits.
What does our service include?
- Review of the general eligibility requirements.
- Help completing the Marketplace application.
- Review of your household members and estimated income.
- Comparing the available plans.
- Explaining monthly premiums, deductibles, copays, and out-of-pocket maximums.
- Help choosing and enrolling in a plan.
- Administrative support to update or renew your coverage.
Approval, subsidies, and coverage terms depend on the official decisions of the Marketplace and the insurance company.
Main requirements and documents
Identity and immigration status
- Full name and date of birth.
- Social Security number (SSN), if you have one and it must be provided.
- A valid immigration document, when applicable.
- Citizenship or immigration status information for the people applying for coverage.
Household information
- Marital status.
- Members of the tax household.
- People who will be included in the coverage.
- Dependents claimed on your taxes.
Income information
- Estimated household income for the coverage year.
- Pay stubs, if you work as an employee.
- Estimated net income, if you are self-employed.
- Information about any other income that must be included.
Additional information
- Home address.
- Current health insurance, if you have it.
- Information about coverage available through an employer, when applicable.
- Preferred doctors, hospitals, and medications.
Important: Please do not send Social Security numbers, immigration documents, or confidential medical information through the public form. After you request the service, we will tell you how to provide the information securely.
Costs
Custom quote
Insurance premium
The price of the insurance depends on the plan you choose and your eligibility. We do not advertise a fixed monthly premium. Before you enroll, we will review with you the available options, the estimated monthly premium, the deductible, and cost-sharing.
Frequently asked questions
What is Obamacare?
It is the common name for health insurance offered through the Marketplace under the Affordable Care Act (ACA).
Do I need a Social Security number to apply?
Applicants must provide their SSN if they have one. Certain immigrants without an SSN can use acceptable immigration documents to verify their eligibility.
Can I apply for Obamacare if I am a permanent resident?
Yes, permanent residents may be eligible if they meet the other requirements.
Can I apply if I have a work permit?
It depends on your immigration category and the applicable rules. Having an EAD does not by itself guarantee eligibility.
Can I apply if I have asylum or TPS?
Certain asylum or TPS holders can enroll in a Marketplace plan. Starting in 2027, the law only allows financial help (tax credits) for permanent residents, Cuban and Haitian entrants, and citizens of COFA countries; other lawfully present immigrants can buy a plan but pay the full premium. We review it with you.
Can people with DACA get Obamacare?
Currently, DACA recipients are not eligible for coverage through the federal Marketplace.
What if I do not have an eligible immigration status?
Undocumented people cannot enroll in Marketplace coverage for themselves, but they can apply on behalf of eligible family members.
Does the insurance depend on my income?
Yes. Household income affects eligibility for financial help and the cost of coverage.
What if my income changes during the year?
You should update your Marketplace information as soon as possible. Changes can modify your financial help and affect how tax credits are reconciled when you file your taxes. Starting with tax year 2026, there is no longer a limit on how much you repay if you received more help than you qualified for.
Can I apply for my children even if I do not qualify?
Yes, you can apply for eligible family members even if you do not apply for yourself.
Can I choose my doctor?
It depends on the plan's network. It is important to check that your doctors and hospitals are in that network.
Do all plans have the same deductible?
No. Deductibles, copays, premiums, and out-of-pocket maximums vary between plans.
Can I enroll at any time?
No. For 2027 coverage, open enrollment on HealthCare.gov (the Marketplace used in Texas) runs from November 1, 2026, to January 15, 2027. If you pick a plan by December 15, 2026, coverage starts January 1, 2027; if you pick it later, it usually starts February 1, 2027. Outside those dates you need to qualify for a special enrollment period (for example, losing other coverage, getting married, or having a baby). Official dates: healthcare.gov/quick-guide/dates-and-deadlines.
How to get started
- Fill out the request form.
- Receive the requirements and the information you need by email.
- Provide your household information, estimated income, and eligibility documents.
- Review the coverage options and available costs.
- Authorize the application and enrollment in the plan you choose.
- Receive the confirmation from the Marketplace or the insurance company.
Availability, prices, and subsidies depend on the current rules and the Marketplace's official decisions. We do not guarantee coverage approval or a specific premium.