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The Affordable Care Act which was enacted in 2010 came in full effect in the individual market on January 1, 2014 after the first Open Enrollment  that started in the fall of 2013.

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Despite the fact that we have had 10 Open Enrollment Periods many people are still confused about what their options are. Click here to see over 100 Frequently Asked Questions 

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When shopping for health insurance make sure that what you are purchasing is really a health insurance plan that complies with the Affordable Care Act (ACA), commonly known as “Obamacare” To verify if a plan is a true ACA plan check here on It's the only source that will connect you directly to the "official" website in your state.

It will show you all the plans in your area by name. If the plan is not listed, it is not an ACA health insurance plan.

There are other sites that are approved by the Centers for Medicare and Medicaid (CMS) to sell ACA plans. Check here to be sure that the site you are on is on the approved list. If the name of the company or website is not listed, please use caution when purchasing health insurance products from them. We use "Health Sherpa" as our direct enrollment partner. 

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If you receive a phone call from an agent or broker or any organization offering to help you purchase health insurance. Get the name of the broker or organization. Search for them yourself on If they are listed use the contact information you found on to contact them directly to verify if it was them who contacted you. If you do not see the name of the broker or organization listed do not give out any personal information.

Quick quote. No Personal Information Needed

For in person assistance at any time during the application process in MD or VA contact me or search for me by name

"Sheron Sidbury"

Currently not available in Spanish

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