After 10 years of complex changes the ACA (sometimes call "Obamacare") has finally been fixed to help anyone who pays taxes in the US. Even if you have group or COBRA options you need to learn how these tax credits have saved many people (not just poor people) up to $2000 a month in their family budget. Open enrollment happens many times a year now to this guaranteed issue with no preX look-back coverage for you or your entire family. Employers under 50 lives can save up to $20,000 per month.